# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-26-042045
**Filing Date:** 2026-4
**Character Count:** 4935044
**Document Hash:** bed52534bfa74318a876e4718fd72dac
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-042045.hdr.sgml**: 20260410

**ACCESSION NUMBER**: 0001104659-26-042045

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

**PUBLIC DOCUMENT COUNT**: 61

**CONFORMED PERIOD OF REPORT**: 20260409

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

**FILED AS OF DATE**: 20260410

**DATE AS OF CHANGE**: 20260410

**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:** 26855172

**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
- **SEC FILE NUMBER:** 025-07921

**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

**Verus Securitization Trust 2026-4**

(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) 534-1815 |
| 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](tm2611390d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2611390d1_ex99-1.htm) |
| [99.2](tm2611390d1_ex99-2.htm) | [AMC Data Compare Report](tm2611390d1_ex99-2.htm) |
| [99.3](tm2611390d1_ex99-3.htm) | [AMC Exception Grades](tm2611390d1_ex99-3.htm) |
| [99.4](tm2611390d1_ex99-4.htm) | [AMC Rating Agency Grades](tm2611390d1_ex99-4.htm) |
| [99.5](tm2611390d1_ex99-5.htm) | [AMC QM-ATR Diligence Report](tm2611390d1_ex99-5.htm) |
| [99.6](tm2611390d1_ex99-6.htm) | [AMC Valuation Report](tm2611390d1_ex99-6.htm) |
| [99.7](tm2611390d1_ex99-7.htm) | [AMC Supplemental Data](tm2611390d1_ex99-7.htm) |
| [99.8](tm2611390d1_ex99-8.htm) | [AMC Tax and Title Report](tm2611390d1_ex99-8.htm) |
| [99.9](tm2611390d1_ex99-9.htm) | [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2611390d1_ex99-9.htm) |
| [99.10](tm2611390d1_ex99-10.htm) | [Canopy Rating Agency Grades Detail Report](tm2611390d1_ex99-10.htm) |
| [99.11](tm2611390d1_ex99-11.htm) | [Canopy Rating Agency Grades Summary Report](tm2611390d1_ex99-11.htm) |
| [99.12](tm2611390d1_ex99-12.htm) | [Canopy Data Compare Report](tm2611390d1_ex99-12.htm) |
| [99.13](tm2611390d1_ex99-13.htm) | [Canopy ATR QM Report](tm2611390d1_ex99-13.htm) |
| [99.14](tm2611390d1_ex99-14.htm) | [Canopy Valuation Report](tm2611390d1_ex99-14.htm) |
| [99.15](tm2611390d1_ex99-15.htm) | [Canopy Tax and Title Report](tm2611390d1_ex99-15.htm) |
| [99.16](tm2611390d1_ex99-16.htm) | [Clarifii LLC ("Clarifii") Executive Summary](tm2611390d1_ex99-16.htm) |
| [99.17](tm2611390d1_ex99-17.htm) | [Clarifii Rating Agency Grades Detail Report](tm2611390d1_ex99-17.htm) |
| [99.18](tm2611390d1_ex99-18.htm) | [Clarifii Rating Agency Grades Summary Report](tm2611390d1_ex99-18.htm) |
| [99.19](tm2611390d1_ex99-19.htm) | [Clarifii Data Compare Report](tm2611390d1_ex99-19.htm) |
| [99.20](tm2611390d1_ex99-20.htm) | [Clarifii ATR QM Report](tm2611390d1_ex99-20.htm) |
| [99.21](tm2611390d1_ex99-21.htm) | [Clarifii Valuation Report](tm2611390d1_ex99-21.htm) |
| [99.22](tm2611390d1_ex99-22.htm) | [Clarifii Tax and Title Report](tm2611390d1_ex99-22.htm) |
| [99.23](tm2611390d1_ex99-23.htm) | [Clarifii Multi Property Valuation](tm2611390d1_ex99-23.htm) |
| [99.24](tm2611390d1_ex99-24.htm) | [Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")](tm2611390d1_ex99-24.htm) |
| [99.25](tm2611390d1_ex99-25.htm) | [Selene Rating Agency Grades Detail Report](tm2611390d1_ex99-25.htm) |
| [99.26](tm2611390d1_ex99-26.htm) | [Selene Rating Agency Grades Report](tm2611390d1_ex99-26.htm) |
| [99.27](tm2611390d1_ex99-27.htm) | [Selene Data Compare Report](tm2611390d1_ex99-27.htm) |
| [99.28](tm2611390d1_ex99-28.htm) | [Selene ATR QM Detail](tm2611390d1_ex99-28.htm) |
| [99.29](tm2611390d1_ex99-29.htm) | [Selene Valuations Report](tm2611390d1_ex99-29.htm) |
| [99.30](tm2611390d1_ex99-30.htm) | [Evolve Mortgage Services, LLC ("Evolve") Executive Summary](tm2611390d1_ex99-30.htm) |
| [99.31](tm2611390d1_ex99-31.htm) | [Evolve Exception Detail](tm2611390d1_ex99-31.htm) |
| [99.32](tm2611390d1_ex99-32.htm) | [Evolve Data Compare](tm2611390d1_ex99-32.htm) |
| [99.33](tm2611390d1_ex99-33.htm) | [Evolve QM ATR Data](tm2611390d1_ex99-33.htm) |
| [99.34](tm2611390d1_ex99-34.htm) | [Evolve Rating Agency Grades](tm2611390d1_ex99-34.htm) |
| [99.35](tm2611390d1_ex99-35.htm) | [Evolve Valuation Report](tm2611390d1_ex99-35.htm) |
| [99.36](tm2611390d1_ex99-36.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2611390d1_ex99-36.htm) |
| [99.37](tm2611390d1_ex99-37.htm) | [Clayton Conditions Report](tm2611390d1_ex99-37.htm) |
| [99.38](tm2611390d1_ex99-38.htm) | [Clayton Loan Level Tape Compare Upload](tm2611390d1_ex99-38.htm) |
| [99.39](tm2611390d1_ex99-39.htm) | [Clayton Non ATR QM Upload](tm2611390d1_ex99-39.htm) |
| [99.40](tm2611390d1_ex99-40.htm) | [Clayton Rating Agency Grades Report](tm2611390d1_ex99-40.htm) |
| [99.41](tm2611390d1_ex99-41.htm) | [Clayton Valuations Summary](tm2611390d1_ex99-41.htm) |
| [99.42](tm2611390d1_ex99-42.htm) | [Digital Risk, LLC ("Digital Risk") Executive Summary](tm2611390d1_ex99-42.htm) |
| [99.43](tm2611390d1_ex99-43.htm) | [Digital Risk Exception Report](tm2611390d1_ex99-43.htm) |
| [99.44](tm2611390d1_ex99-44.htm) | [Digital Risk Rating Agency Grades](tm2611390d1_ex99-44.htm) |
| [99.45](tm2611390d1_ex99-45.htm) | [Digital Risk Data Integrity Report](tm2611390d1_ex99-45.htm) |
| [99.46](tm2611390d1_ex99-46.htm) | [Digital Risk QM Status Report](tm2611390d1_ex99-46.htm) |
| [99.47](tm2611390d1_ex99-47.htm) | [Digital Risk Valuation Report](tm2611390d1_ex99-47.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: April 10, 2026

---

| | | |
|:---|:---|:---|
| 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**

![](tm2611390d1_ex99-1img001.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 2025 through February 2026 on Loans with origination dates from July 2025 through January 2026 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 one hundred fifty-five (155) Loans totaling an aggregate original principal balance of approximately $50.700 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 ("KBRA") and Moody's Investors Service, Inc. ("Moodys").

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

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![](tm2611390d1_ex99-1img001.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 five (5) 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, one (1) Loan utilized twenty-four (24) or more months of bank statements and two (2) Loans utilized twelve (12) through twenty-three (23) months of bank statements. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with one (1) Loan only having 12 months of income verification.

There were one hundred fifty (150) Loans that were considered Business Purpose/Property Focused Investor Loans. One hundred thirty-three (133) Loans were Property Focused Loans with DSCR calculation. The remaining seventeen (17) Loans were considered Property Focused Loans with no 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

![](tm2611390d1_ex99-1img001.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.

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

3 \| P a g e

![](tm2611390d1_ex99-1img001.jpg)

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

▪ Reviewing
 the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity
 for presence of 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 |  |

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**(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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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.

**OVERALL REVIEW RESULTS SUMMARY**

Of the one hundred fifty-five (155) Loans reviewed under the applicable grading criteria, all one hundred fifty-five (155) Loans received an overall "A" B" or "N/A" grade.

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys Overall Loan Grades** | &nbsp;&nbsp;**Moodys Overall Loan Grades** | &nbsp;&nbsp;**Moodys Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;140 | &nbsp;&nbsp;90.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;8.39% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Overall Loan Grades** | &nbsp;&nbsp;**KBRA Overall Loan Grades** | &nbsp;&nbsp;**KBRA Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;141 | &nbsp;&nbsp;90.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;9.03% |
| &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;**155** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the three (3) Loans reviewed for compliance under the applicable Moodys grading criteria, all three (3) Loans received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Moodys Compliance Loan Grades** | &nbsp;&nbsp; **Moodys Compliance Loan Grades** | &nbsp;&nbsp; **Moodys Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &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;**3** | &nbsp;&nbsp;**100.00%** |

---

Of the three (5) Loans reviewed for compliance under the applicable KBRA grading criteria, all five (5) Loans received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Compliance Loan Grades** | &nbsp;&nbsp;**KBRA Compliance Loan Grades** | &nbsp;&nbsp;**KBRA Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |

---

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**CREDIT RESULTS SUMMARY**

All one hundred fifty-five (155) Loans reviewed under the applicable grading criteria, received an "A" "B" or "N/A" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys Credit Loan Grades** | &nbsp;&nbsp;**Moodys Credit Loan Grades** | &nbsp;&nbsp;**Moodys Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;141 | &nbsp;&nbsp;90.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;7.74% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Credit Loan Grades** | &nbsp;&nbsp;**KBRA Credit Loan Grades** | &nbsp;&nbsp;**KBRA Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;143 | &nbsp;&nbsp;92.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;7.74% |
| &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;**155** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All one hundred fifty-five (155) Loans reviewed under the applicable grading criteria, received an "A" or "N/A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys Property Loan Grades** | &nbsp;&nbsp;**Moodys Property Loan Grades** | &nbsp;&nbsp;**Moodys Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;153 | &nbsp;&nbsp;98.71% |
| &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;N/A | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Property Loan Grades** | &nbsp;&nbsp;**KBRA Property Loan Grades** | &nbsp;&nbsp;**KBRA Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;155 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Moodys & <br> KBRA Final Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***11*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**11** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**13** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**24** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred fifty-five (155) Loans reviewed, one hundred twenty-six (126) unique Loans had two hundred eighty-seven (287) different tape discrepancies across twenty-six (26) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, Subject Debt Service Coverage Ratio and First Payment Date, 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;1 | &nbsp;&nbsp;155 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;154 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;103 | &nbsp;&nbsp;0.97% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;71 | &nbsp;&nbsp;155 | &nbsp;&nbsp;45.81% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;155 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;30 | &nbsp;&nbsp;36.67% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;30 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;60 | &nbsp;&nbsp;1.67% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;42 | &nbsp;&nbsp;95 | &nbsp;&nbsp;44.21% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.66% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;29 | &nbsp;&nbsp;10.34% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;103 | &nbsp;&nbsp;0.97% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;21 | &nbsp;&nbsp;141 | &nbsp;&nbsp;14.89% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;53 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;28 | &nbsp;&nbsp;90 | &nbsp;&nbsp;31.11% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;154 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;102 | &nbsp;&nbsp;2.94% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;155 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;155 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;104 | &nbsp;&nbsp;2.88% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;53 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.66% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;20 | &nbsp;&nbsp;154 | &nbsp;&nbsp;12.99% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;154 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;155 | &nbsp;&nbsp;4.52% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;155 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;11 | &nbsp;&nbsp;155 | &nbsp;&nbsp;7.10% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;46 | &nbsp;&nbsp;140 | &nbsp;&nbsp;32.86% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;155 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**287** | &nbsp;&nbsp;**3616** | &nbsp;&nbsp;**7.94%** | &nbsp;&nbsp;**155** |

---

**SitusAMC TITLE REVIEW SUMMARY (1 Mortgage Loan)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on one (1) Loan. 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.

· 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.

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

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

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

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

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&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;155 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$50699567.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50699567.00** | &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;153 | &nbsp;&nbsp;98.71% | &nbsp;&nbsp;$50359567.00 | &nbsp;&nbsp;99.33% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.29% | &nbsp;&nbsp;$340000.00 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50699567.00** | &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;67 | &nbsp;&nbsp;43.23% | &nbsp;&nbsp;$24332906.00 | &nbsp;&nbsp;47.99% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$290430.00 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;85 | &nbsp;&nbsp;54.84% | &nbsp;&nbsp;$25026231.00 | &nbsp;&nbsp;49.36% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.29% | &nbsp;&nbsp;$1050000.00 | &nbsp;&nbsp;2.07% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50699567.00** | &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;1 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$562500.00 | &nbsp;&nbsp;1.11% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$750000.00 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;153 | &nbsp;&nbsp;98.71% | &nbsp;&nbsp;$49387067.00 | &nbsp;&nbsp;97.41% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50699567.00** | &nbsp;&nbsp;**100.00%** |
| &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;65 | &nbsp;&nbsp;41.94% | &nbsp;&nbsp;$21540500.00 | &nbsp;&nbsp;42.49% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;5.81% | &nbsp;&nbsp;$3106240.00 | &nbsp;&nbsp;6.13% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;$1181150.00 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.94% | &nbsp;&nbsp;$532125.00 | &nbsp;&nbsp;1.05% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;41 | &nbsp;&nbsp;26.45% | &nbsp;&nbsp;$14463167.00 | &nbsp;&nbsp;28.53% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;11 | &nbsp;&nbsp;7.10% | &nbsp;&nbsp;$1620210.00 | &nbsp;&nbsp;3.20% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;14 | &nbsp;&nbsp;9.03% | &nbsp;&nbsp;$4799675.00 | &nbsp;&nbsp;9.47% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$562500.00 | &nbsp;&nbsp;1.11% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.87% | &nbsp;&nbsp;$2894000.00 | &nbsp;&nbsp;5.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50699567.00** | &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;2 | &nbsp;&nbsp;1.29% | &nbsp;&nbsp;$1374000.00 | &nbsp;&nbsp;2.71% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;153 | &nbsp;&nbsp;98.71% | &nbsp;&nbsp;$49325567.00 | &nbsp;&nbsp;97.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50699567.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC Data Compare REPORT**

![](tm2611390d1_ex99-2img001.jpg)

**Data Compare**

**Run Date - 4/2/2026 10:14:38 AM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 839677 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 839677 | xxxxxx |  |  | Cash To Borrower | 39662.23 | 50148.07 | Verified | Field value reflects source document |
| xxxxxx | 839677 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 27.86 | 21.69269 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845970 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845970 | xxxxxx |  |  | Cash To Borrower | 152706.00 | 142207.52 | Verified | Field value reflects source document |
| xxxxxx | 847774 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847774 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847774 | xxxxxx |  |  | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 847774 | xxxxxx |  |  | Representative FICO | 796 | 766 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847774 | xxxxxx |  |  | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 850185 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850599 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850599 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850599 | xxxxxx |  |  | Cash To Borrower | 206009.46 | 202934.99 | Verified | Field value reflects source document |
| xxxxxx | 850929 | xxxxxx |  |  | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 850929 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850929 | xxxxxx |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851475 | xxxxxx |  |  | Investor: Qualifying Housing Ratio | 49.313 | 46.29841 | Verified | Field value reflects source document |
| xxxxxx | 851872 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851872 | xxxxxx |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851872 | xxxxxx |  |  | Product Description | Investor Solutions DSCR s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 851929 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851929 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 851929 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852109 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852109 | xxxxxx |  |  | Representative FICO | 761 | 816 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 852559 | xxxxxx |  |  | Representative FICO | 784 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 852559 | xxxxxx |  |  | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852559 | xxxxxx |  |  | Lien Position | 1 | 2 | Verified | Field Value reflects Lien Position per the Note |
| xxxxxx | 852559 | xxxxxx |  |  | Cash To Borrower | 161922.00 | 206083.32 | Verified | Field value reflects source document |
| xxxxxx | 852559 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 46.59 | 49.16083 | Verified | Lender excluded debts that were not paid off through closing. |
| xxxxxx | 852710 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852710 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 852710 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852710 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.69 | 1.68 | Verified | Field value reflects source document |
| xxxxxx | 852736 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852736 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853602 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853605 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | Rounding. |
| xxxxxx | 853607 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853611 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853611 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Due to rounding |
| xxxxxx | 853615 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853617 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853622 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853623 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853623 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853625 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853630 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853630 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853631 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853631 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853636 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853636 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853638 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853638 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.54 | 1.55 | Verified | Due to rounding. |
| xxxxxx | 853641 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853642 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.12 | Verified | Rounding Factor |
| xxxxxx | 853738 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853738 | xxxxxx |  |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853738 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853740 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853750 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 853750 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.43 | 1.42 | Verified | Updated PITIA as per the document and Rental market amount $xxxxxx / PITIA $4642.75 = DSCR 0.96% |
| xxxxxx | 854380 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854381 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | Rounding Factor. |
| xxxxxx | 854382 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854382 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.26 | Verified | Property rent as per lease of $xxxxxx & Monthly PITIA of $1,986.92 DSCR=Rent/PITIA 1.25 with 2 month's rent payment verified with Bank statement |
| xxxxxx | 854384 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854385 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854391 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 854392 | xxxxxx |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 854393 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854393 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854681 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854681 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.38 | 1.78 | Verified | Total PITIA and market rent is correctly updated. |
| xxxxxx | 854686 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854686 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854691 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854703 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854703 | xxxxxx |  |  | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 854703 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 2.12 | 1.94 | Verified | Used market rent as it is lower than provided lease agreement. |
| xxxxxx | 854709 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854709 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.40 | 1.50 | Verified | Field value reflects source document |
| xxxxxx | 854716 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 854722 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 854722 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855198 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855198 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 855198 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855214 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855214 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855214 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.40 | Verified | Field value reflects source document |
| xxxxxx | 855679 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855679 | xxxxxx |  |  | Representative FICO | 729 | 725 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 855679 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855679 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.06 | Verified | Field value reflects source document |
| xxxxxx | 855680 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855680 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855683 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 855683 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 855683 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855683 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.50 | 1.51 | Verified | DSCR mismatch due to Round-off value. |
| xxxxxx | 855685 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855686 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 855686 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.59 | 1.26 | Verified | Field value reflects source document |
| xxxxxx | 855689 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855689 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.48 | 1.52 | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 855692 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855692 | xxxxxx |  |  | Original CLTV | 67.568 | 60.09615 | 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 | 855692 | xxxxxx |  |  | Original LTV | 67.568 | 60.09615 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 855692 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855693 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 855693 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 855696 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855697 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 855697 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855697 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.53 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| xxxxxx | 855699 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855699 | xxxxxx |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 855699 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855702 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855704 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855710 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 856435 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856447 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856483 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856484 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856484 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 856484 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 2.10 | 2.19 | Verified | Rents of $xxxxxx/ PITA of $2177.08= 2.1864 approx. 2.19 DSCR. |
| xxxxxx | 856485 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 856485 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Rounding Factor |
| xxxxxx | 856504 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856504 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.62 | 1.40 | Verified | Discrepancy in taxes review is using tax cert in file. |
| xxxxxx | 856507 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856507 | xxxxxx |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 857087 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857087 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857087 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857088 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857088 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857088 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857088 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857088 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 2.79 | 3.48 | Verified | Field value reflects source document |
| xxxxxx | 857089 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857089 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857089 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857089 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857089 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857094 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857095 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857095 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857095 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857095 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.15 | Verified | DSCR Consider as per Calculated Monthly Income to PITI |
| xxxxxx | 857095 | xxxxxx |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 857095 | xxxxxx |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| xxxxxx | 857096 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.52 | 1.55 | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 857098 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857098 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857098 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.24 | Verified | DSCR Used Market Rent $xxxxxx/PITIA of $1,363.34=1.24 |
| xxxxxx | 857101 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857103 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857103 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857103 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857103 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.14 | 1.32 | Verified | Field value reflects source document |
| xxxxxx | 857106 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857106 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857106 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.43 | 1.42 | Verified | Unable to verify due to missing information |
| xxxxxx | 857112 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857114 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857114 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857114 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857115 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857115 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857120 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857120 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857120 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857124 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857124 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857124 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857124 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857124 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.02 | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 857127 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857127 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857130 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857130 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857130 | xxxxxx |  |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 857130 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857130 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.78 | 1.68 | Verified | DSCR=$2,900/$1,725.83=1.68 |
| xxxxxx | 857131 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857131 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857131 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.32 | 1.36 | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 857601 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857601 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857601 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857601 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.79 | 0.98 | Verified | Due to HOA DSCR is not matching with approval. |
| xxxxxx | 857605 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857605 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857605 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.85 | 0.84 | Verified | DSCR Rounded Up |
| xxxxxx | 857611 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857611 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.99 | 1.00 | Verified | Field value reflects source document |
| xxxxxx | 857612 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857612 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857614 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857615 | xxxxxx |  |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 857615 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857616 | xxxxxx |  |  | Original CLTV | 72.222 | 70 | 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 | 857616 | xxxxxx |  |  | Original LTV | 72.222 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 857617 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.42 | 1.47 | Verified | Field value reflects source document |
| xxxxxx | 857619 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857619 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857619 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 857620 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857620 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857621 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857621 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857621 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857622 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857622 | xxxxxx |  |  | Original CLTV | 71.273 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 857622 | xxxxxx |  |  | Original LTV | 71.273 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 857623 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857623 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857623 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857623 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.02 | 0.99 | Verified | Field value reflects source document |
| xxxxxx | 857627 | xxxxxx |  |  | Representative FICO | 770 | 784 | Verified | Based off the second CR pull mid score |
| xxxxxx | 857629 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857631 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857631 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857631 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857631 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.24 | 1.23 | Verified | Field value reflects source document |
| xxxxxx | 857633 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857633 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857633 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.15 | Verified | Field value reflects source document |
| xxxxxx | 857634 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857634 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857636 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857636 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857636 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857636 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857636 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857646 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857646 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857822 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 859171 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 859171 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859171 | xxxxxx |  |  | Representative FICO | 685 | 697 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 859172 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859172 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859172 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 859173 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 859173 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 2.03 | 2.02 | Verified | Due to rounding |
| xxxxxx | 859175 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 859175 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859175 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 14.108 | 41.70169 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 859176 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859176 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859176 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.82 | 1.81 | Verified | Due to round off |
| xxxxxx | 859177 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 859177 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859177 | xxxxxx |  |  | Property Type | Townhouse | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 859177 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859177 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 2.60 | 2.51 | Verified | Field value reflects source document |
| xxxxxx | 859179 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859179 | xxxxxx |  |  | Representative FICO | 802 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 859179 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859179 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.48 | 1.47 | Verified | Due to Rounding |
| xxxxxx | 859180 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.29 | Verified | Field value reflects source document |
| xxxxxx | 859183 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859183 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.24 | Verified | Due to Rounding |
| xxxxxx | 859185 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 859185 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 859185 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 859185 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.91 | 0.90 | Verified | Due to rounding |
| xxxxxx | 859187 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 859188 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859188 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.87 | Verified | Field value reflects source document |
| xxxxxx | 859189 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859189 | xxxxxx |  |  | Original Term | 360 | 240 | Verified | Field Value reflects the Note value |
| xxxxxx | 859190 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.01 | Verified | Field value reflects source document |
| xxxxxx | 859191 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859191 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859195 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 859195 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 859195 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.17 | Verified | Field value reflects source document |
| xxxxxx | 859196 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859196 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859200 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |

---

## Exhibit 99.3

**EXHIBIT 99.3**

**AMC Exception Grades**

![](tm2611390d1_ex99-2img001.jpg)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC 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** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 839677 | xxxxxx | 34089555 | xxxxxx | 08/04/2025 | 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 (2025-08-05): FTP provided | 08/05/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34089562 | xxxxxx | 08/04/2025 | 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 (2025-08-05): FTP provided | 08/05/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135143 | xxxxxx | 08/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Address: xxxxxx |  | Reviewer Comment (2025-08-05): FTP provided | 08/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135162 | xxxxxx | 08/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 2024 tax returns are not signed and rental income used to qualify. |  | Reviewer Comment (2025-08-05): Signed and dated returns provided | 08/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135200 | xxxxxx | 08/04/2025 | 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 and final 1003, dec page, reflects intent to occupy |  | Reviewer Comment (2025-08-04): Client elects to waive Transaction is a rate and term refinance. Appraisal reflects as tenant occupied and Tax Returns provided which include Schedule E supporting rents received from subject property.<br>|  |  | 08/04/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135203 | xxxxxx | 08/04/2025 | 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 $126.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | COC does not give sufficient information as to why a desk review is required |  | Reviewer Comment (2025-08-13): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/13/2025 |  | 2 C B | 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 | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135206 | xxxxxx | 08/04/2025 | 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 HOA/Condo Questionnaire. Fee Amount of $392.67 exceeds tolerance of $350.00. Insufficient or no cure was provided to the borrower. (75215) | The initial app disclosed property was a xxxxxx, therefore HOA cert should have been known to be required. |  | Reviewer Comment (2025-08-13): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/13/2025 |  | 2 C B | 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 | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135747 | xxxxxx | 08/04/2025 | 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. |  | Reviewer Comment (2025-08-20): Received Verification of Rent. Exception cleared.<br>Reviewer Comment (2025-08-19): Received VOR for property address xxxxxx and xxxxxx Provide VOR for property address xxxxxx Exception remains.<br>Reviewer Comment (2025-08-15): No new document was uploaded into clarity, please try uploading the document again. Exception remains.<br>Reviewer Comment (2025-08-07): Received cancelled checks, however the document requested is for a VOR. Exception remains.<br>Reviewer Comment (2025-08-06): Received cancelled checks, however the document requested is for VOR for borrower's current primary property. Exception remains. | 08/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 847774 | xxxxxx | 34688367 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The Business Loan Rider to the DOT does not have the correct LLC name listed. Reflects xxxxxx vs. xxxxxx. | 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 (2025-12-05): Waived with compensating factors.<br>Reviewer Comment (2025-11-25): Received LOX to borrower. Provide evidence of delivery to borrower. Exception remains.<br>Reviewer Comment (2025-11-12): Received signed and dated Business Loan Rider, lenders intent to re-record. Provide LOX to borrower and evidence of delivery to borrower. Exception remains. |  |  | 12/05/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847774 | xxxxxx | 34688378 | xxxxxx | 10/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Title reflects the proposed insured as the individual vs. the LLC. |  | Reviewer Comment (2025-11-19): Updated title policy provided with email from title on updates<br>Reviewer Comment (2025-11-19): No new documents received, however per comments on xxxxxx : The incorrect and correct title polices are time stamped and dated the same. Provide evidence of which was provided last (i.e. email from title with updates).<br>Reviewer Comment (2025-11-14): The incorrect and correct title polices are time stamped and dated the same. Provide evidence of which was provided last (i.e. email from title with updates). | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847774 | xxxxxx | 34688396 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Page 1 of the Guarantor Agreement does not have the correct LLC name. Reflects xxxxxx vs. xxxxxx. | 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 (2025-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-12): Received Guarantor Agreement is dated post closing. Exception remains. |  |  | 11/17/2025 | 2 D B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850185 | xxxxxx | 34679648 | xxxxxx | 10/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Per wire, funds in the amount of $115,577.98 were wired from xxxxxx to xxxxxx. Neither account is in file to support borrower funds (which are needed for closing/reserves). Account xxxxxx cannot be utilized as this is a non-borrower account. If funds from xxxxxx were transferred to any borrower owned account, a gift letter will also be required. |  | Reviewer Comment (2025-12-23): Received September statement for account ending in xxxxxx reflecting our borrower as account holder and transfer of funds to account xxxxxx for closing funds.<br>Reviewer Comment (2025-12-11): Condition to be re-reviewed once all requested documents are received. Comments will also be updated at that time.<br>Reviewer Comment (2025-11-24): Received the bank statement from xxxxxx for account xxxxxx However, please provide documentation from xxxxxx confirming when the borrower's name was added to the statement. The current statement is dated post-closing and reflects the borrower's name, whereas the statement dated xxxxxx did not include it. Additionally, the funds used for closing were transferred from account xxxxxx to account xxxxxx Please provide bank statements for accounts xxxxxx and xxxxxx to verify account ownership. Exception remains.<br>Reviewer Comment (2025-11-17): As noted in original condition and on xxxxxx and xxxxxx , the Borrowing Cert does not clear this condition. Please review the original condition and previous comments. Per wire, funds in the amount of $115,577.98 were wired from xxxxxx to xxxxxx Neither account is in file to support borrower funds (which are needed for closing/reserves). Account xxxxxx cannot be utilized as this is a non-borrower account. If funds from xxxxxx were transferred to any borrower owned account, a gift letter will also be required. An LOE from the borrower is not sufficient.<br>Reviewer Comment (2025-10-20): Received Wire Confirmation. However, please provide bank statement for account xxxxxx to verify that the funds utilized for closing are from borrower's account and not a gift funds. Exception remains. | 12/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850185 | xxxxxx | 34704046 | xxxxxx | 10/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | LOE from borrower stating that they are the sole owner and LLC does not have an Operating Agreement. Borrowing Cert is required in lieu of per guidelines. |  | Reviewer Comment (2025-11-17): Updated borrowing cert provided<br>Reviewer Comment (2025-11-12): Received Borrowing Certificate, however lender name is not listed on To, and Section #1. To borrower money from (seller Legal name). Exception remains.<br>Reviewer Comment (2025-11-05): Received Corporate Resolution which was already in file. However, the document requested is for Borrowing Certificate. Exception remains.<br>Reviewer Comment (2025-10-20): Received Certificate of Existence. However, the document requested is for Borrowing Certificate. Exception remains. | 11/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850185 | xxxxxx | 34708664 | xxxxxx | 10/13/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $61,201.53 is less than Cash From Borrower $120,052.98. | Per wire, funds in the amount of $115,577.98 were wired from xxxxxx to xxxxxx. Neither account is in file to support borrower funds (which are needed for closing/reserves). Account xxxxxx cannot be utilized as this is a non-borrower account. |  | Reviewer Comment (2025-12-23): Received September statement for account ending in xxxxxx reflecting our borrower as account holder and transfer of funds to account xxxxxx for closing funds.<br>Reviewer Comment (2025-12-11): Condition will be reviewed once all documentation is provided.<br>Reviewer Comment (2025-11-24): Received the bank statement from xxxxxx for account xxxxxx However, please provide documentation from xxxxxx confirming when the borrower's name was added to the statement. The current statement is dated post-closing and reflects the borrower's name, whereas the statement dated xxxxxx did not include it. Additionally, the funds used for closing were transferred from account xxxxxx to account xxxxxx Please provide bank statements for accounts xxxxxx and xxxxxx to verify account ownership. Exception remains.<br>Reviewer Comment (2025-11-17): As noted in original condition and on xxxxxx and xxxxxx , the Borrowing Cert does not clear this condition. Please review the original condition and previous comments. Per wire, funds in the amount of $115,577.98 were wired from xxxxxx to xxxxxx Neither account is in file to support borrower funds (which are needed for closing/reserves). Account xxxxxx cannot be utilized as this is a non-borrower account. An LOE from the borrower is not sufficient.<br>Reviewer Comment (2025-11-13): Received Borrowing Certificate is not for this condition. The document requested for this condition is for the Bank statement for accountxxxxxx to verify the funds for closing is not a Gift Funds. Exception remains.<br>Reviewer Comment (2025-10-20): Received Wire Confirmation. However, please provide bank statement for account xxxxxx to verify that the funds utilized for closing are from borrower's account and not a gift funds. Exception remains. | 12/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850185 | xxxxxx | 34708665 | xxxxxx | 10/13/2025 | 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. | Per wire, funds in the amount of $115,577.98 were wired from xxxxxx to xxxxxx Neither account is in file to support borrower funds (which are needed for closing/reserves). Account xxxxxx cannot be utilized as this is a non-borrower account. If funds from xxxxxx were transferred to any borrower owned account, a gift letter will also be required. |  | Reviewer Comment (2025-12-23): Received September statement for account ending in xxxxxx reflecting our borrower as account holder and transfer of funds to account xxxxxx for closing funds.<br>Reviewer Comment (2025-12-11): xxxxxx account ending xxxxxx, statement ending xxxxxx , which is the latest statement prior to consummation does not reflect xxxxxx name. The post-closing statement ending xxxxxx now reflects xxxxxx name. Evidence this individual was on the account at the time of subject loan closing will be required for consideration of these assets.<br>Reviewer Comment (2025-11-24): Received the bank statement from xxxxxx for account xxxxxx However, please provide documentation from xxxxxx confirming when the borrower's name was added to the statement. The current statement is dated post-closing and reflects the borrower's name, whereas the statement dated xxxxxx did not include it. Additionally, the funds used for closing were transferred from account xxxxxx to account xxxxxx Please provide bank statements for accounts xxxxxx and xxxxxx to verify account ownership. Exception remains.<br>Reviewer Comment (2025-11-17): As noted in original condition and on xxxxxx and xxxxxx , the Borrowing Cert does not clear this condition. Please review the original condition and previous comments. Per wire, funds in the amount of $115,577.98 were wired from xxxxxx to xxxxxx Neither account is in file to support borrower funds (which are needed for closing/reserves). Account xxxxxx cannot be utilized as this is a non-borrower account. If funds from xxxxxx were transferred to any borrower owned account, a gift letter will also be required. An LOE from the borrower is not sufficient.<br>Reviewer Comment (2025-10-20): Received Wire Confirmation. However, please provide bank statement for account xxxxxx to verify that the funds utilized for closing are from borrower's account and not a gift funds. Exception remains. | 12/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850338 | xxxxxx | 34954045 | xxxxxx | 11/14/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  | 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 (2026-01-13): Waived with compensating factors per investor request.<br>Reviewer Comment (2026-01-05): Updated HOI provided reflects the endorsement to coverage was made on xxxxxx , which is after closing date of xxxxxx . A request to waive can be made to accept post-closing documentation; however, we would be unable to clear unless there was evidence the changes were made on or before the closing date.<br>Reviewer Comment (2025-12-24): Full policy provided does not reflect our lender or Servicer and its successors and assigns, per guideline requirements. Complete policy, with correct coverages, and mortgagee clause required for review of the condition.<br>Reviewer Comment (2025-11-18): The HOI provided reflects coverage of $2,995 which appears to be the premium but should be dwelling coverage. |  |  | 01/13/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850599 | xxxxxx | 34986861 | xxxxxx | 11/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the borrower only. |  | Reviewer Comment (2025-11-24): Received deed transferring the property to the borrower only. Exception cleared.<br>Reviewer Comment (2025-11-19): The deed provided is not the deed requested. Please review original condition. Provide the deed transferring the property to the borrower only. | 11/24/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850599 | xxxxxx | 34986863 | xxxxxx | 11/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Multiple judgments on title not addressed. |  | Reviewer Comment (2025-11-19): Email from title provided stating will not appear on FTP<br>Reviewer Comment (2025-11-19): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-11-18): No new documents received. Please try uploading again. | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850929 | xxxxxx | 34947878 | xxxxxx | 11/13/2025 | 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 $150,000.00. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-11-13): Client elects to waive with verified compensation factors |  |  | 11/13/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850929 | xxxxxx | 34981037 | xxxxxx | 11/13/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | 1007 STR: The appraiser did not note the daily rental rate and occupancy percentage or if figure factors seasonality and vacancy into the analysis for the subject property. |  | Reviewer Comment (2025-12-16): Received updated 1007 with daily rental rate and comments indicating the figure factors seasonality and vacancy into the analysis.<br>Reviewer Comment (2025-12-11): Received same 1007 as in original submission. The appraiser did not note the daily rental rate of the subject property and occupancy percent for subject property, or if figure factors seasonality and vacancy into the analysis for the subject property. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851475 | xxxxxx | 35893847 | xxxxxx | 12/15/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | The file was missing a copy of the final title policy. |  | Reviewer Comment (2026-01-27): FTP provided | 01/27/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851475 | xxxxxx | 35893850 | xxxxxx | 12/15/2025 | 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 $275.00 exceeds tolerance of $110.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Valid COC is not available for Credit Report Fee. |  | Reviewer Comment (2026-02-10): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2026-01-28): SitusAMC File Contains Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Credit report 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> " |  | 02/10/2026 |  | 2 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 | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851475 | xxxxxx | 35893853 | xxxxxx | 12/15/2025 | 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 signature does not reflect a date. Rescission starts from the later of when the transaction or when material disclosures are received. |  | Reviewer Comment (2026-02-06): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2026-02-03): Received LOE to borrower and new RTC forms. However, tracking states in transit and set to be delivered today xxxxxx The expiration on the new forms is xxxxxx If package is delivered today, 2/3 to 2/5 is not a new 3 business days. Rescission needs to be re-opened again. |  | 02/06/2026 |  | 2 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 B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851475 | xxxxxx | 35893854 | xxxxxx | 12/15/2025 | 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 Final CD signature does not reflect a date. Rescission starts from the later of when the transaction or when material disclosures are received. |  | Reviewer Comment (2026-02-06): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2026-02-03): Received LOE to borrower and new RTC forms. However, tracking states in transit and set to be delivered today xxxxxx The expiration on the new forms is xxxxxx If package is delivered today, 2/3 to 2/5 is not a new 3 business days. Rescission needs to be re-opened again. |  | 02/06/2026 |  | 2 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 B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851475 | xxxxxx | 35893855 | xxxxxx | 12/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE not provided |  | Reviewer Comment (2026-01-30): Agent email provided reflecting replacement cost for property included (xxxxxx property). | 01/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851475 | xxxxxx | 35893856 | xxxxxx | 12/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Personal Bank Statements: Final income will be the lower of the income represented on the initial 1003 (within a 15% variance from the income listed on the 1003) or the income calculated by averaging qualified deposits. Initial 1003 does not list income. |  | Reviewer Comment (2026-02-03): Updated Initial 1003 provided | 02/03/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851475 | xxxxxx | 35893857 | xxxxxx | 12/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Income showing a consistent decline over the prior year should not be considered stable or usable income for qualification purposes if the decline exceeds 20%. Exceptions will be reviewed on a case by case basis. 12 month average $10,262.50. 24 month average $12,485.42. Decline > 20%. | 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 (2026-01-27): Client elects to waive with verified compensation factors |  |  | 01/27/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851475 | xxxxxx | 35893858 | xxxxxx | 12/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to borrower and non-borrower. |  | Reviewer Comment (2026-02-13): FTP provided reflecting borrower vested only<br>Reviewer Comment (2026-01-27): The FTP was provided however vesting only reflects the borrower. The security instrument reflects property is to be vested in a borrower and non-borrower. Vesting does not match. | 02/13/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851475 | xxxxxx | 35893859 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Provided to All Parties Test | TILA-RESPA Integrated Disclosure: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | All parties with vested interest did not executed the CD |  | Reviewer Comment (2026-02-13): xxxxxx CD was provided to both consumers and was within tolerance of accuracy on Material Disclosure.<br>Reviewer Comment (2026-02-13): On rescindable transaction, all consumers with interest in property being financed are required to receive the Final CD along with RTC. RTC's were provided to other consumer (non-borrowing spouse), but missing proof the Final CD was provided to them. Regulation 1026.17(d) relating to Multiple creditors; Multple Consumers under 2. states In rescindable transactions, however, separate disclosures must be given to each consumer who has the right to rescind under 1026.23. Please provide proof of other consumer's receipt of Final CD.<br>Reviewer Comment (2026-02-10): Any borrower with the right to rescind must receive disclosures. The loan file only shows receipt of the final CD by one borrower. Please provide a copy of the final CD that was provided to xxxxxx and xxxxxx.<br>Reviewer Comment (2026-02-03): SitusAMC received Corrected CD. However, this does not address that the Final CD issued xxxxxx, see doc ID's 0076 & 0075, provided in loan package, only reflects consumer 1 proof of receipt. Missing proof of receipt to consumer 2. Per security instrument, 2 consumers and consumer 2 required to receive Final CD within timing requirements. | 02/13/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure, and proof of delivery and NORTC if reopened rescission required B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851475 | xxxxxx | 35893860 | xxxxxx | 12/15/2025 | 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 $3,062.50 exceeds tolerance of $2,910.00. $152.50 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | The COC does not state a reason why the points increased |  | Reviewer Comment (2026-02-02): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 02/02/2026 |  | 2 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 | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851475 | xxxxxx | 35893861 | xxxxxx | 02/13/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | If the vesting is correct on the final title then the DOT is incorrect which reflects vesting as xxxxxx and xxxxxx. In homestead states the spouse is required to sign the DOT but should not show as vested. However to note, the DOT in file is also not signed by xxxxxx, just dated. Provide the corrected and executed DOT, LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. |  | Reviewer Comment (2026-02-19): Per client email, requested clearance noting the DOT does not need to be updated due to email from title. Borrower on title, spouse on DOT only due to homestead state and rescission was also offered to this individual.<br>Reviewer Comment (2026-02-19): The attached does not clear this condition. The non-borrowing spouse is not on title. The DOT is noted to vest both. The initial title email stated he was not to be vested on title and now stating that the intent was to possibly include the non-borrowing spouse on title. The FTP will either need to be updated to include the spouse as vested to match the DOT, or the DOT will need to be updated as noted in the email to management. | 02/19/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851872 | xxxxxx | 34807713 | xxxxxx | 10/31/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2025-12-19): Amendment provided to give binding authority. Exception cleared.<br>Reviewer Comment (2025-11-17): Received Amendment to operating agreement. A Corporate Resolution is required. Exception remains.<br>Reviewer Comment (2025-11-06): Condition cannot be waived. Corp Res is just the hardcoded condition. This is for the Unanimous Consent. The OA does not specify binding authority as well as one of the members, which is an LLC owned by xxxxxx at 33.33% is not on the loan. | 12/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851872 | xxxxxx | 34807719 | xxxxxx | 10/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Verification of Non-xxxxxx Status document is missing for non-permanent resident alien borrower (xxxxxx) |  | Reviewer Comment (2025-11-17): Received Form I-797A reflecting Approval Status. Exception cleared.<br>Reviewer Comment (2025-11-06): I797A provided reflecting approval status post-close from xxxxxx - xxxxxx There is no documentation provided to support borrower was legally here at or prior to closing. Provide the supporting documentation. | 11/17/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851872 | xxxxxx | 34844101 | xxxxxx | 10/31/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement in file only includes one of two guarantor names on page one and was not signed individually by the guarantors. |  | Reviewer Comment (2025-12-19): Based on the Amendment to Operating Agreement giving binding authority, exception cleared.<br>Reviewer Comment (2025-11-17): Received Personal Guaranty Agreement appears to be an altered document. The font used for the guarantor's name is inconsistent with the rest of the document. Exception remains.<br>Reviewer Comment (2025-11-12): All pages of the corrected guarantor agreement must be provided.<br>Reviewer Comment (2025-11-06): Page 1 of the Guarantor Agreement only reflects xxxxxx, however the agreement along with all legal documents are also signed by xxxxxx. Page 1 of the Guarantor Agreement needs to be updated. | 12/19/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851929 | xxxxxx | 34945603 | xxxxxx | 11/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | First time investor: 12-months minimum rental history fully documented, if private party, must provide cancelled checks/bank statements, or xxxxxx, etc. proof with copy of lease. Borrower has owned current primary for 3 months and previously rented. |  | Reviewer Comment (2025-12-26): Received lease agreement, VOR and evidence of payments to complete 12 month history.<br>Reviewer Comment (2025-11-26): VOR from private individual provided, reflecting a lease end date of xxxxxx Per final 1003, borrower purchased primary 3 months ago, which would have been xxxxxx The following is still required for review: 1. Cancelled checks and copy of lease agreement for prior VOR on xxxxxx from xxxxxx through xxxxxx 2. VOR/VOM/Housing history for gap between 2/2025 and buying current primary. If with private individual, cancelled checks/bank statements and lease agreement will also be required for review.<br>Reviewer Comment (2025-11-25): No new documents received. Please try uploading again. Exception Remains. | 12/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852109 | xxxxxx | 34956395 | xxxxxx | 11/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-11-20): Received Employer Identification Number confirmation letter. Exception cleared. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852109 | xxxxxx | 34956396 | xxxxxx | 11/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Provide the Unanimous Consent. |  | Reviewer Comment (2025-12-26): Corporation resolution received<br>Reviewer Comment (2025-12-11): Resolution provided states it is effective as of xxxxxx ; however, subject loan closed xxxxxx . Evidence our guarantors had authority to bind the company in the subject transaction at the time of consummation will need to be provided.<br>Reviewer Comment (2025-11-20): Received Operating agreement which was already in file. Provide Corporate Resolution. Exception remains. | 12/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852109 | xxxxxx | 34987010 | xxxxxx | 11/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The Guarantor Agreement is signed by both Guarantors as xxxxxx. Must be signed as individuals at closing. |  | Reviewer Comment (2025-11-18): Received Guarantor Agreement signed as an Individual. Exception cleared.<br>Reviewer Comment (2025-11-18): No new documents received. Please try uploading again. Exception Remains. | 11/18/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852559 | xxxxxx | 35110819 | xxxxxx | 11/30/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage history was not provided for the second lien of xxxxxx on the credit report for the property located on xxxxxx |  | Reviewer Comment (2025-12-18): Closing statement and Note for new 2nd lien provided, which verified a previous lien did not existing for a payment to be verified. Exception cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852559 | xxxxxx | 35120625 | xxxxxx | 11/30/2025 | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  | Tape data shows loan as a first lien but this is a Closed end seconds loan per the tape data. |  | Reviewer Comment (2025-12-29): Loan file does not contain any documentation stating this was a first lien loan or approved as first lien loan.<br>Reviewer Comment (2025-12-19): The bid tape provided indicates the loan transaction is a first lien. Corrected bid tape required to resolve this exception. | 12/29/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852559 | xxxxxx | 35122279 | xxxxxx | 11/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.34033% exceeds Guideline total debt ratio of 50.00000%. | Lender excluded auto debts from the DTI. Initial CD shows all consumer debt paid off but then removed on the final CD. |  | Reviewer Comment (2026-01-05): Evidence of refinance of second lien on primary residence received, reducing DTI below guideline maximum.<br>Reviewer Comment (2025-12-29): Difference in DTI is due to primary residence mortgage payment. lender utilized $2,128.20, which appears to be a new loan with the same Lender; however, no evidence of this payment is in the file. Full second mortgage payment is $2,359.54 per the statement provided.<br>Reviewer Comment (2025-12-19): DTI: The total debts include the primary PITI $6,795.10 + xxxxxx $625 + subject rent loss $1,678.46 + REO rent loss $774.90 = $9,873.46 / Total income $19,613.42 = 50.34%. All of the documents provided have been reviewed and debts marked as paid and the DTI ratio exceeds the maximum allowed. Exception remains.<br>Reviewer Comment (2025-12-18): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 53.13433% exceeds Guideline total debt ratio of 50.00000%.<br>Reviewer Comment (2025-12-18): The second lien closing statement provided shows 3 revolving debts paid and one of the installment auto payments paid. The Closing Disclosure issued on xxxxxx shows both xxxxxx accounts being paid; however, the later dated Closing Disclosures show no debts paid off and only debts were on the Closing statement for the second lien. Leaving the one xxxxxx account with a balance of $27,000 results in a DTI that still exceeds 50%. Exception remains. | 01/05/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852710 | xxxxxx | 35273085 | xxxxxx | 11/29/2025 | 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 | The Hazard Insurance Policy effective date is after closing. |  | Reviewer Comment (2025-12-16): Updated and cleared<br>Reviewer Comment (2025-12-12): The date at top right does say xxxxxx the policy states effective date xxxxxx xxxxxx | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852736 | xxxxxx | 35250446 | xxxxxx | 11/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing from file for Business Entity. |  | Reviewer Comment (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852736 | xxxxxx | 35250447 | xxxxxx | 11/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing from file. |  | Reviewer Comment (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852736 | xxxxxx | 35250448 | xxxxxx | 11/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing from file. |  | Reviewer Comment (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853605 | xxxxxx | 35288375 | xxxxxx | 09/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing 12 months of payment verification for the borrower's primary residence. |  | Reviewer Comment (2025-09-26): LOX and satisfaction document. | 09/26/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853607 | xxxxxx | 35288407 | xxxxxx | 11/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement for borrowing business entity is missing. Additional conditions may apply. |  | Reviewer Comment (2025-11-13): Borrowing certificate received in lieu of operating agreement. Exception Cleared.<br>Reviewer Comment (2025-11-10): Require operating agreement in the file. Exception remains. | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853607 | xxxxxx | 35288408 | xxxxxx | 11/06/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provided closing disclosure is incomplete. Provide signed and dated final closing statement. |  | Reviewer Comment (2025-11-18): Final CD. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853608 | xxxxxx | 35288382 | xxxxxx | 10/07/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $158,183.94 is less than Cash From Borrower $180,845.74. | Documented qualifying Assets for Closing of $158,183.94 is less than Cash From Borrower $180,845.74. |  | Reviewer Comment (2025-10-13): Proof of closing funds provided. | 10/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853610 | xxxxxx | 35288402 | xxxxxx | 11/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement., estimated provided. |  | Reviewer Comment (2025-11-07): Received | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853612 | xxxxxx | 35288367 | xxxxxx | 09/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception: The project not being covered under 100% RCE (replacement cost estimator) but under ACV (actual cash value) and Mortgagee responsible for delinquent HOA Assessments of 12+ months. | 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 (2025-09-16): Waived with compensating factors per lender exceptions approval at origination. |  |  | 09/16/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853615 | xxxxxx | 35288393 | xxxxxx | 10/22/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for the business entity. |  | Reviewer Comment (2025-10-27): Post-consummation dated fraud report clearing OFAC received in trailing docs. | 10/27/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853621 | xxxxxx | 35288432 | xxxxxx | 11/12/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject |  | Reviewer Comment (2025-11-14): Corrected document received, exception cleared | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853621 | xxxxxx | 35288433 | xxxxxx | 11/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification the $650.00 judgment paid with loan proceeds on final closing statement was not consumer debt. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-17): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2025-12-03): Paying off consumer debt is not permitted. Must verify the lien/judgment was tied to the subject property.<br>Reviewer Comment (2025-11-14): As per the closing statement, a payoff of $650 is reflecting paid to Clerk of Circuit Court, unable to identify if this is consumer debt or judgment payoff, need evidence to support it. Exception Remains. |  |  | 12/17/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853623 | xxxxxx | 35288405 | xxxxxx | 11/06/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Maximum LTV 65% for first time investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-12-04): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2025-11-19): Borrower is a first time investor and the matrix indicates maximum LTV for a first time investor is 65%. Loan was approved at 70% LTV, which does not meet the guideline requirement. If lender has evidence borrower is not a first time investor, please have documents uploaded to file for review. |  |  | 12/04/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853636 | xxxxxx | 35288421 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Missing page 2 of the Special Warranty Deed. |  | Reviewer Comment (2025-11-13): Executed Special Warranty Deed received. Exception Cleared. | 11/13/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853641 | xxxxxx | 35288399 | xxxxxx | 10/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in the file. |  | Reviewer Comment (2025-11-03): COGS. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853738 | xxxxxx | 35250452 | xxxxxx | 12/03/2025 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate is missing in file. |  | Reviewer Comment (2025-12-12): Provided | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853740 | xxxxxx | 35250453 | xxxxxx | 12/04/2025 | 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 (2025-12-12): Final title provided | 12/12/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853740 | xxxxxx | 35250454 | xxxxxx | 12/04/2025 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary <br> State: xxxxxx |  |  | Reviewer Comment (2025-12-12): Provided | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853750 | xxxxxx | 35250562 | xxxxxx | 12/04/2025 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  | Reviewer Comment (2025-12-12): Provided | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854374 | xxxxxx | 35288369 | xxxxxx | 09/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal disclosed that property was listed for sale within the last 12 months. Please provide a letter of explanation disclosing the reason the property was listed, and evidence that it was taken off the market prior to the Note date. If property was listed at, or near the the application date, the lower listed price will be used for the LTV. |  | Reviewer Comment (2025-10-16): Borrower LOE received.<br>Reviewer Comment (2025-10-06): LOX from borrower is required to be dated prior to closing. | 10/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854384 | xxxxxx | 35288395 | xxxxxx | 10/23/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note-Subject is Missing in loan file. |  | Reviewer Comment (2025-10-28): Note provided. | 10/28/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854385 | xxxxxx | 35288397 | xxxxxx | 10/27/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. |  | Provide OFAC for the borrowing entity. |  | Reviewer Comment (2025-10-30): OFAC received | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854392 | xxxxxx | 35288440 | xxxxxx | 11/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | 1003 reports the borrower as an owner of the primary residence. The Fraud report reflects someone other than the borrower may own the property and a mortgage reflected appears to belong to the other party listed as owners. Provide clarification of the status of the primary residence along with either a pay history covering 12 months or rent free letter. |  | Reviewer Comment (2025-11-19): Per property profile, the property is owned by the borrower and is owned free and clear. | 11/19/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854469 | xxxxxx | 35273180 | xxxxxx | 12/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment is missing in file. |  | Reviewer Comment (2025-12-10): Not required | 12/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 854469 | xxxxxx | 35273181 | xxxxxx | 12/09/2025 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | The appraisal verifies both units are tenant occupied. File is missing copy of lease agreement for both units. |  | Reviewer Comment (2025-12-10): Short-term rental per LOE provided | 12/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854677 | xxxxxx | 35273087 | xxxxxx | 12/05/2025 | 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 |  | xxxxxx CDA in file is a review of an appraisal with effective date of xxxxxx and report date of xxxxxx We have 2 appraisals in file with effective date of xxxxxx and report date of xxxxxx . |  | Reviewer Comment (2025-12-16): Provided and cleared | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 854681 | xxxxxx | 35250475 | xxxxxx | 12/08/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The 1-4 Family Rider to the Security Instrument is missing in file. |  | Reviewer Comment (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854686 | xxxxxx | 35250473 | xxxxxx | 12/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided |  | Application incorrectly states borrower is xxxxxx. Permanent Resident Alien card in file showing borrower is from xxxxxx. | Credit Score 742<br> 45 months reserves post close |  |  |  | 12/11/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854691 | xxxxxx | 35250566 | xxxxxx | 12/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided |  | Available Permanent resident card is expired on xxxxxx . |  | Reviewer Comment (2025-12-15): Renewal provided | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854691 | xxxxxx | 35250567 | xxxxxx | 12/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854691 | xxxxxx | 35250568 | xxxxxx | 12/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854703 | xxxxxx | 35250455 | xxxxxx | 12/05/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | OFAC is not provided. |  | Reviewer Comment (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854703 | xxxxxx | 35250458 | xxxxxx | 12/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854709 | xxxxxx | 35250574 | xxxxxx | 12/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854709 | xxxxxx | 35250575 | xxxxxx | 12/05/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855198 | xxxxxx | 35250563 | xxxxxx | 12/08/2025 | 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 (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 855198 | xxxxxx | 35250564 | xxxxxx | 12/08/2025 | 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 (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 855214 | xxxxxx | 35273090 | xxxxxx | 12/08/2025 | 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 | Hazard Insurance Policy Effective Date xxxxxx , After the Closing date. |  | Reviewer Comment (2025-12-16): Updated and cleared | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855686 | xxxxxx | 35250466 | xxxxxx | 12/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Copy of Background Check is not available in file. |  | Reviewer Comment (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855686 | xxxxxx | 35250467 | xxxxxx | 12/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Copy of Fraud Report is not available in file. |  | Reviewer Comment (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855686 | xxxxxx | 35250469 | xxxxxx | 12/08/2025 | 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 is approved for loan amount below $100,000. | 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. | Reviewer Comment (2025-12-08): Client elects to waive and regraded based on the following: <br> Borrower FICO 653, minimum required 600<br> Borrower has low LTV 70% |  |  | 12/08/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855686 | xxxxxx | 35250470 | xxxxxx | 12/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved exception due to loan amount below $100k, comp factors are No mortgage lates and low LTV of 70%, | 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. | Reviewer Comment (2025-12-17): Duplicate exception<br>Reviewer Comment (2025-12-17): reopen<br>Reviewer Comment (2025-12-08): Client elects to waive and regraded based on the following: <br> Borrower FICO 653, minimum required 600<br> Borrower has low LTV 70% | 12/17/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855693 | xxxxxx | 35273146 | xxxxxx | 12/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provided Closing Statement is estimated. Please provide Executed Final HUD-1 or Closing Statement. |  | Reviewer Comment (2025-12-17): Final provided<br>Reviewer Comment (2025-12-16): Statement provided says estimated buyers statement top of page 1. | 12/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855697 | xxxxxx | 35273094 | xxxxxx | 12/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception for over 51% investor concentration on a xxxxxx. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-12-12): Client elects to waive and downgrade: <br>Borrower has greater than 1.0% DSCR ratio of 1.53%<br> Borrower has their own funds on this purchase transaction of at least 5% and $5k. |  |  | 12/12/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855697 | xxxxxx | 35273095 | xxxxxx | 12/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Pricing shows short-term rental and approval is asking for xxxxxx rentalizer per guides. |  | Reviewer Comment (2025-12-16): Ok per guides and client | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855702 | xxxxxx | 35273092 | xxxxxx | 12/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The File Contains an estimated closing statement only. The Final Executed HUD is Required. |  | Reviewer Comment (2025-12-16): Final provided<br>Reviewer Comment (2025-12-16): Closing statement is estimated top of page 1. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856422 | xxxxxx | 35700141 | xxxxxx | 01/09/2026 | 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 (2026-01-13): Received final title policy for the amount of xxxxxx Cleared | 01/13/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856483 | xxxxxx | 35288460 | xxxxxx | 12/01/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Section 4A of the Certification of Non-Owner Occupancy and Indemnity was not completed. |  | Reviewer Comment (2025-12-04): Received Non-Owner Occupancy Declaration stating borrower at an address different than the subject. Exception Cleared. | 12/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856484 | xxxxxx | 35288445 | xxxxxx | 11/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is not available |  | Reviewer Comment (2025-11-21): Corporate Resolution is not required as borrower is sole owner of the entity. Exception Cleared. | 11/21/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856484 | xxxxxx | 35288446 | xxxxxx | 11/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD is missing in the file |  | Reviewer Comment (2025-11-21): Executed Closing statement received and verified the details. Exception Cleared. | 11/21/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857095 | xxxxxx | 35617906 | xxxxxx | 12/26/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/ Closing statement is required |  | Reviewer Comment (2026-01-20): Provided and cleared | 01/20/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857611 | xxxxxx | 35499429 | xxxxxx | 01/09/2026 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  | Reviewer Comment (2026-01-12): RCE provided | 01/12/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857625 | xxxxxx | 35617911 | xxxxxx | 01/14/2026 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud Report is missing in file. |  | Reviewer Comment (2026-01-16): provided and cleared | 01/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857629 | xxxxxx | 35629739 | xxxxxx | 01/09/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File was missing copy of Final HUD. Estimated closing statement present in file. |  | Reviewer Comment (2026-01-12): Final closing statement provided, exception cleared. | 01/12/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857646 | xxxxxx | 35617975 | xxxxxx | 01/13/2026 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed. |  |  | Reviewer Comment (2026-01-15): Waived as xxxxxx, seller agrees flood insurance is not escrowed. |  |  | 01/15/2026 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 857646 | xxxxxx | 35617976 | xxxxxx | 01/13/2026 | 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 of final CD has section for escrowed loans completed. |  | Reviewer Comment (2026-01-15): Cure docs provided.<br>Reviewer Comment (2026-01-14): SitusAMC received rebuttal comment. However, total non-escrow property costs of $11,907.96 (Tax, HOI, Flood and HOA) included in "will have an escrow account" section instead of "will not have an escrow account section on page 4 of Final CD and post CD. A Corrected CD and LOE to borrower are required to disclose these costs on page 4 within the non-escrowed costs section for proper disclosure to borrower.<br>Reviewer Comment (2026-01-12): Estimated Taxes, Insurance & Assessments on page 1 of CD is xxxxxx; Estimated Escrow is $0; Estimated Property Cost over Year 1 is blank. |  | 01/15/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 857646 | xxxxxx | 35617977 | xxxxxx | 01/13/2026 | 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 of final CD has section for escrowed loans completed. |  | Reviewer Comment (2026-01-15): Cure docs provided.<br>Reviewer Comment (2026-01-14): SitusAMC received rebuttal comment. However, total non-escrow property costs of $11,907.96 (Tax, HOI, Flood and HOA) included in "will have an escrow account" section instead of "will not have an escrow account section on page 4 of Final CD and post CD. A Corrected CD and LOE to borrower are required to disclose these costs on page 4 within the non-escrowed costs section for proper disclosure to borrower. |  | 01/15/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 857646 | xxxxxx | 35617978 | xxxxxx | 01/13/2026 | 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 of final CD has section for escrowed loans completed. |  | Reviewer Comment (2026-01-15): Cure docs provided.<br>Reviewer Comment (2026-01-14): SitusAMC received rebuttal comment. However, total non-escrow property costs of $11,907.96 (Tax, HOI, Flood and HOA) included in "will have an escrow account" section instead of "will not have an escrow account section on page 4 of Final CD and post CD. A Corrected CD and LOE to borrower are required to disclose these costs on page 4 within the non-escrowed costs section for proper disclosure to borrower. |  | 01/15/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 857646 | xxxxxx | 35617979 | xxxxxx | 01/13/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier CD receipt missing from file. |  | Reviewer Comment (2026-01-14): SitusAMC received xxxxxx Initial CD, 3 business days prior to the consummation. | 01/14/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 857822 | xxxxxx | 35700136 | xxxxxx | 01/02/2026 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  | Reviewer Comment (2026-01-07): Received fraud report with OFAC search of the borrowing business entity. Exception cleared. | 01/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857822 | xxxxxx | 35700137 | xxxxxx | 01/02/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | Liens are required to be paid off. | 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 (2026-01-13): Waived post-close with comp factors per lender exception approval.<br>Reviewer Comment (2026-01-07): Received fraud report with 2 tax liens with filing number xxxxxx Out of these two liens, one with number xxxxxx has released date of xxxxxx and another with number xxxxxx does not have release date. Exception remains. |  |  | 01/13/2026 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857823 | xxxxxx | 35700139 | xxxxxx | 01/06/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated provided |  | Reviewer Comment (2026-01-15): Received Closing statement. Exception Cleared.<br>Reviewer Comment (2026-01-13): Provided Closing Statement is for another property which is not matching as per Note. Exception remains. | 01/15/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857837 | xxxxxx | 35499235 | xxxxxx | 11/17/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter in the file was undated. |  | Reviewer Comment (2025-11-20): Received gift letter with date. Exception Cleared. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857837 | xxxxxx | 35499236 | xxxxxx | 11/17/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $79,274.90 is less than Cash From Borrower $205,360.94. | Borrower is short cash to close. Unable to use gift funds because the gift letter was not dated. |  | Reviewer Comment (2025-11-20): Received gift letter with date. Exception Cleared. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 859171 | xxxxxx | 35698780 | xxxxxx | 01/13/2026 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | Credit Report: Original // Borrower: xxxxxx | Background Check / Fraud Report was not provided for xxxxxx |  | Reviewer Comment (2026-01-16): provided and cleared<br>Reviewer Comment (2026-01-14): Please provide the Fraud report for xxxxxx | 01/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 859175 | xxxxxx | 35698830 | xxxxxx | 01/13/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Per guides: For self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within 10 business days of closing. The loan file should reflect the documentation secured from these sources. Sources may include: CPA, Tax Attorney, IRS Enrolled Agent, xxxxxx, regulatory agency, or applicable licensing bureau; Secretary of State listing reflecting current year registration; Verification of a phone and address listing using the Internet |  | Reviewer Comment (2026-02-03): Third party verification provided<br>Reviewer Comment (2026-01-15): Provided and cleared.<br>Reviewer Comment (2026-01-13): Doc not dated within 10 business days of note, does not meet guideline reqs. | 01/15/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 859175 | xxxxxx | 35698831 | xxxxxx | 01/13/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Per guides: For self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within 10 business days of closing. The loan file should reflect the documentation secured from these sources. Sources may include: CPA, Tax Attorney, IRS Enrolled Agent, xxxxxx, regulatory agency, or applicable licensing bureau; Secretary of State listing reflecting current year registration; Verification of a phone and address listing using the Internet |  | Reviewer Comment (2026-02-03): Third Party verification provided<br>Reviewer Comment (2026-01-15): Provided and cleared.<br>Reviewer Comment (2026-01-13): Doc not dated within 10 business days of note, does not meet guideline reqs. | 01/15/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 859183 | xxxxxx | 35698791 | xxxxxx | 01/16/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note/Security instrument documents reflect incorrect zip code xxxxxx instead of xxxxxx. Rest of all documents reflects correct zip code as xxxxxx |  | Reviewer Comment (2026-01-27): Issue: Note/Security instrument documents reflect incorrect zip code xxxxxx instead of xxxxxx Rest of all documents reflects correct zip code as xxxxxx Cleared with comment from seller. Title state that the deed was recorded on the correct property (it was recorded by the APN and Legal description), and we did not need to get the DOT corrected or re-recorded and the Final Title policy reflect the correct zip<br>Reviewer Comment (2026-01-23): Note Zip has been updated still need updated Security Instrument (DOT) to be updated to correct zip. | 01/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 859185 | xxxxxx | 35698787 | xxxxxx | 01/16/2026 | 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 0.90 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender approved exception in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2026-01-16): Lender approved exception in file Client elects to downgrade and waive <br> borrower FICO 706 and greater than 6 months reserves |  |  | 01/16/2026 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |

---

## Exhibit 99.4

**EXHIBIT 99.4**

**AMC Rating Agency Grades**

![](tm2611390d1_ex99-2img001.jpg)

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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** | **Moody's** | **Moody's** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Moody's** | **Scope** |
| xxxxxx | 839677 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C 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 | 845970 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847774 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 850185 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850338 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 850599 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850929 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 851475 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 851872 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 851929 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 852109 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 852559 | xxxxxx | xxxxxx | xxxxxx C | N/A C | B | B | B | N/A | B A | N/A C | N/A C | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 852710 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 852736 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853602 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853605 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853607 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853608 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853610 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853611 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853612 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 853615 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853617 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853619 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853621 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 853622 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853623 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 853625 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853630 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853631 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853636 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853638 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853639 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853641 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853642 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853738 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853740 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853750 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854374 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854375 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854376 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854378 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854380 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854381 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854382 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854384 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854385 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854388 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854391 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854392 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854393 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854469 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854677 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A C | C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854681 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854686 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 854691 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854703 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854709 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854716 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854722 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855198 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A C | C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855214 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855679 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855680 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855683 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855685 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855686 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 855689 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855692 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855693 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855696 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855697 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 855699 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855702 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855704 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855710 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855711 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856418 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856419 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856422 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856435 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856436 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856438 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856447 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856480 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856483 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856484 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856485 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856504 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856505 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856507 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857087 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857088 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857089 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857094 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857095 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857096 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857097 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857098 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857101 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857103 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857106 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857112 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857114 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857115 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857120 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857124 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857127 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857130 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857131 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857601 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857605 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857611 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857612 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857613 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857614 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857615 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857616 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857617 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857619 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857620 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857621 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857622 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857623 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857625 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857627 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857629 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857631 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857633 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857634 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857636 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857646 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 857822 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 857823 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857837 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857838 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859171 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859172 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859173 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859175 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 859176 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859177 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859179 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859180 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859181 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859183 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859185 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 859187 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859188 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859189 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859190 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859191 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859195 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859196 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859200 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR Diligence Report**

![](tm2611390d1_ex99-2img001.jpg)

**ATR/QM Report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 839677 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845970 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847774 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850185 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850338 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850599 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850929 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851475 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851872 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851929 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852109 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852559 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852710 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852736 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853602 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853605 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853607 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853608 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853610 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853611 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853612 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853615 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853617 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853619 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853621 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853622 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853623 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853625 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853630 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853631 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853636 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853638 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853639 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853641 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853642 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853738 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853740 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853750 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854374 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854375 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854376 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854378 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854380 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854381 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854382 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854384 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854385 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854388 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854391 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854392 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854393 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854469 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854677 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854681 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854686 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854691 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854703 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854709 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854716 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854722 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855198 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855214 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855679 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855680 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855683 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855685 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855686 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855689 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855692 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855693 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855696 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855697 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855699 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855702 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855704 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855710 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855711 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856418 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856419 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856422 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856435 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856436 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856438 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856447 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856480 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856483 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856484 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856485 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856504 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856505 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856507 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857087 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857088 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857089 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857094 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857095 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857096 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857097 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857098 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857101 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857103 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857106 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857112 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857114 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857115 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857120 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857124 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857127 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857130 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857131 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857601 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857605 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857611 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857612 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857613 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857614 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857615 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857616 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857617 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857619 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857620 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857621 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857622 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857623 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857625 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857627 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857629 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857631 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857633 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857634 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857636 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857646 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 857822 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857823 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857837 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857838 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859171 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859172 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859173 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859175 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859176 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859177 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859179 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859180 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859181 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859183 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859185 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859187 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859188 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859189 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859190 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859191 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859195 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859196 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859200 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC Valuation report**

![](tm2611390d1_ex99-2img001.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** | **Scope** |
| xxxxxx | 839677 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 06/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 845970 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 847774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 07/31/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Moderate | 08/06/2025 | 07/31/2025 | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 850185 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 850338 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 850599 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 850929 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851475 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/13/2025 | 11/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/14/2025 | 11/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 851872 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 851929 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 852109 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 852559 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852710 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 852736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853602 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853605 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/05/2025 | 08/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 | Property Focused |
| xxxxxx | 853607 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/27/2025 | 10/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Property Focused |
| xxxxxx | 853608 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 853610 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/12/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 10/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 853611 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/29/2025 | 10/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 853612 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/21/2025 | 05/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 | Property Focused |
| xxxxxx | 853615 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 08/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/06/2025 | 08/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 853617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 853619 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853621 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/31/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.140% | 10/15/2025 | 10/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 853622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/09/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 853630 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853638 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/30/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 09/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 853639 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853641 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 853642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 853738 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 853740 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/23/2025 | 09/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 853750 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 854374 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 854375 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 854376 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 854378 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.870% | 09/08/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 | Property Focused |
| xxxxxx | 854380 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 07/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 854381 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/26/2025 | 09/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 854382 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 | Property Focused |
| xxxxxx | 854384 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854385 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/26/2025 | 09/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Property Focused |
| xxxxxx | 854388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854391 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854392 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 854393 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/25/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 | Property Focused |
| xxxxxx | 854469 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 11/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/11/2025 | 11/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 854677 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/15/2025 | 10/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 | Property Focused |
| xxxxxx | 854681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/24/2025 | 09/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 854686 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854691 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2025 | 10/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/03/2025 | 10/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 854703 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/31/2025 | 08/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 854709 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854716 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/24/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854722 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/24/2025 | 10/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855198 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 16.870% | 11/06/2025 | 10/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 | Property Focused |
| xxxxxx | 855214 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/12/2025 | 11/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 855679 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 855680 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/19/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 09/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 | Property Focused |
| xxxxxx | 855683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855685 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 11/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855686 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 855689 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/12/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/08/2025 | 10/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 855692 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 855693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2025 | 10/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/31/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/10/2025 | 10/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 855697 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 855699 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/15/2025 | 11/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/24/2025 | 11/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 855702 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/19/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/21/2025 | 11/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Property Focused |
| xxxxxx | 855704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855710 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/17/2025 | 11/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855711 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/17/2025 | 11/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856418 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/05/2026 | 12/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/05/2026 | 12/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Property Focused |
| xxxxxx | 856419 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/31/2025 | 12/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/19/2025 | 12/10/2025 | Desk Review | xxxxxx |  | Low | xxxxxx | xxxxxx | 28.150% | xxxxxx | 0.15 | 12/29/2025 |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 856422 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/07/2025 | 12/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 856435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856436 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/02/2025 | 11/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/21/2025 | 11/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 | Property Focused |
| xxxxxx | 856438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/24/2025 | 12/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856447 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/10/2025 | 11/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/04/2025 | 11/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 856480 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/07/2025 | 09/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 856483 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/13/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 09/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 | Property Focused |
| xxxxxx | 856484 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/24/2025 | 09/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 856485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856504 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/13/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856505 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/06/2025 | 11/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 | Property Focused |
| xxxxxx | 856507 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/19/2025 | 11/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857087 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/20/2025 | 11/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/01/2025 | 11/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 | Property Focused |
| xxxxxx | 857088 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/19/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/07/2025 | 10/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 | Property Focused |
| xxxxxx | 857089 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857094 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/12/2025 | 11/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 857095 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/12/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857096 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 857097 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/26/2025 | 10/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Property Focused |
| xxxxxx | 857098 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2025 | 10/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/21/2025 | 10/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 857101 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/18/2025 | 11/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/25/2025 | 11/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 857103 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 11/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857106 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/05/2025 | 11/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 857112 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/03/2025 | 12/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857114 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/18/2025 | 11/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/03/2025 | 11/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Property Focused |
| xxxxxx | 857115 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/12/2025 | 11/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 857124 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 857127 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 857130 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/25/2025 | 11/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857131 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/21/2025 | 11/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857601 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/05/2025 | 11/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 | Property Focused |
| xxxxxx | 857605 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/25/2025 | 11/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 857611 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/09/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 857612 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/18/2025 | 12/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/16/2025 | 12/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 857613 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/16/2025 | 12/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857614 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/12/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857615 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/16/2025 | 12/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/24/2025 | 11/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/07/2025 | 11/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/25/2025 | 11/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/11/2025 | 11/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857619 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 857620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/06/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/11/2025 | 12/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/08/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/11/2025 | 12/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/06/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/10/2025 | 12/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/13/2025 | 12/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 857625 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/19/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857627 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 10/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 10/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857629 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/03/2025 | 11/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 857631 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/05/2025 | 12/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857633 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/17/2025 | 12/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.680% | 12/29/2025 | 12/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857634 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/10/2025 | 12/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/26/2025 | 12/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857636 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/18/2025 | 12/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 857646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/13/2025 | 12/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857822 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/01/2025 | 11/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/24/2025 | 11/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857823 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857837 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857838 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 859171 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/28/2025 | 11/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 | Property Focused |
| xxxxxx | 859172 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/17/2025 | 12/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/26/2025 | 12/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.10 | Property Focused |
| xxxxxx | 859173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/05/2025 | 12/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/24/2025 | 12/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 | Property Focused |
| xxxxxx | 859175 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/12/2025 | 12/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 859176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/13/2025 | 12/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 859177 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/30/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 859179 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/19/2025 | 12/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 859180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/22/2025 | 12/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 859181 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/12/2025 | 12/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 859183 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/03/2025 | 12/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 859185 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/18/2025 | 11/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 859187 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/11/2025 | 12/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/05/2026 | 12/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 859188 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/11/2025 | 11/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/02/2025 | 11/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 859189 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/03/2025 | 12/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/19/2025 | 12/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 859190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/19/2025 | 12/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/05/2026 | 12/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 | Property Focused |
| xxxxxx | 859191 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/24/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 859195 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/04/2025 | 12/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 859196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/19/2025 | 12/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 859200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/05/2025 | 12/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/09/2026 | 12/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Property Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC Supplemental Data**

![](tm2611390d1_ex99-2img001.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** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** | **Scope** |
| xxxxxx | 839677 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4304.00 | $5301.61 |  | 9.097% | $972.24 | $972.24 | 8.625% | No | No | Non-Employment Income | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $13067.65 | 1 | xxxxxx | $779.04 | xxxxxx | $64.92 | xxxxxx | xxxxxx | $935.00 |  | Monthly | 21.693% | 21.693% | 21.693% | 06/19/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4304.00 | xxxxxx | 6.830% | $0.00 | 1.9 |  |  |  | N/A | No | 8.625% | 0 | 0 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $41714.86 |  | No |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.250% | xxxxxx | xxxxxx | $1869.18 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 20.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 845970 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2915.89 | $2915.89 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3689.52 | xxxxxx | $307.46 | xxxxxx |  | $375.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/14/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.12 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 33.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 847774 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1235.81 | $1235.81 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1103.04 | xxxxxx | $91.92 | xxxxxx |  | $710.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/22/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $72688.76 | 31.600% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 2.02 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 850185 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2059.08 | $2059.08 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1152.00 | xxxxxx | $96.00 | xxxxxx |  | $2278.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/20/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $176779.51 | 44.470% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11.68 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 850338 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3151.65 | $3151.65 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3294.00 | xxxxxx | $274.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0.89 | 1.12 |  |  |  |  |  |  |  | xxxxxx | $316557.40 | 47.960% | No |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 17.81 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | Property Focused |
| xxxxxx | 850599 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1512.40 | $1512.40 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2088.00 | xxxxxx | $174.00 | xxxxxx |  | $500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/18/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.01 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.95 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 850929 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $952.22 | $952.22 | 6.875% | No | No |  |  |  |  |  |  |  | Foreign National |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1038.24 | xxxxxx | $86.52 | xxxxxx |  | $3524.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $102866.06 | 46.120% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.22 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 851475 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13957.50 | $7596.18 | xxxxxx | 7.424% | $2387.62 | $2387.62 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $5321.99 | 1 | xxxxxx | $11339.40 | xxxxxx | $944.95 |  |  |  |  |  | 48.243% | 48.243% | 48.243% | 11/17/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13957.50 | xxxxxx | 6.230% | $0.00 | 2.6 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2474.63 |  | No |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.58 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 851872 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1800.18 | $1800.18 | 6.750% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | Permanent Resident Alien |  | xxxxxx |  |  |  | 1 | xxxxxx | $437.04 | xxxxxx | $36.42 | xxxxxx |  | $250.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/23/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $27011.03 | 5.930% | 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 |  |  |  |  |  |  |  | 14.58 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 851929 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1613.28 | $1613.28 | 7.375% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $1427.04 | xxxxxx | $118.92 | xxxxxx |  | $570.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/16/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.14 | 0.88 |  |  |  |  |  |  | 240 | xxxxxx | $10000.00 | 2.850% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 78.05 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 852109 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1363.47 | $1363.47 | 7.500% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $975.00 | xxxxxx | $81.25 | xxxxxx |  | $280.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/09/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $62931.08 | 24.200% | 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 |  |  |  |  |  |  |  | 24.59 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 852559 | xxxxxx | N/A |  |  | xxxxxx | No | No | $1450.00 | $2876.79 | xxxxxx | 8.992% | $1710.64 | $1710.64 | 8.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $9971.30 | 1 | xxxxxx | $1126.68 | xxxxxx | $93.89 | xxxxxx | xxxxxx | $90.00 |  | Monthly | 49.161% | 49.161% | 49.161% | 10/31/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<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]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1450.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 1 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $1830.28 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No |  |  | No | No | xxxxxx | $0.00 | $11107.95 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | Mortgagor Focused |
| xxxxxx | 852710 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1272.57 | $1272.57 | 6.374% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  | 1 | xxxxxx | $1059.00 | xxxxxx | $88.25 | xxxxxx | xxxxxx | $1005.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.470% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.28 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | 360 | Property Focused |
| xxxxxx | 852736 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1979.29 | $1979.29 | 7.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1151.04 | xxxxxx | $95.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 623 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $2000.00 | 0.550% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 66.7 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853602 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1223.63 | $1223.63 | 7.500% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  | 1 | xxxxxx | $1366.20 | xxxxxx | $113.85 | xxxxxx | xxxxxx | $1692.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $6318.00 | 2.520% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.44 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | 360 | Property Focused |
| xxxxxx | 853605 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4137.28 | $4137.28 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $16760.76 | xxxxxx | $1396.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $2845.00 | 0.360% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 149.55 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853607 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1396.99 | $1396.99 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $566.04 | xxxxxx | $47.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 129.64 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853608 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2358.01 | $2358.01 | 7.125% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $2290.20 | xxxxxx | $190.85 | xxxxxx | xxxxxx | $660.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $181165.81 | 36.230% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.08 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853610 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1825.41 | $1825.41 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $609.96 | xxxxxx | $50.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 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 |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.79 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 853611 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1952.28 | $1952.28 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $891.96 | xxxxxx | $74.33 | xxxxxx | xxxxxx | $105.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/04/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 51.76 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853612 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1155.57 | $1155.57 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $918.96 | xxxxxx | $76.58 | xxxxxx | xxxxxx | $869.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/14/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $6075.00 | 2.890% | No |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 152.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853615 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3953.92 | $3953.92 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $2913.00 | xxxxxx | $242.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 110.04 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853617 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2403.06 | $2403.06 | 6.750% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $1941.60 | xxxxxx | $161.80 | xxxxxx | xxxxxx | $2392.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $229345.00 | 40.230% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.05 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853619 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2095.49 | $2095.49 | 6.999% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $3135.12 | xxxxxx | $261.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $6608.18 | 1.420% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853621 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3201.55 | $3201.55 | 6.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $3951.84 | xxxxxx | $329.32 | xxxxxx | xxxxxx | $262.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/22/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | Property Focused |
| xxxxxx | 853622 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1075.69 | $1075.69 | 6.999% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $738.36 | xxxxxx | $61.53 | xxxxxx | xxxxxx | $197.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $138181.68 | 59.810% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853623 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1071.03 | $1071.03 | 6.999% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $751.44 | xxxxxx | $62.62 | xxxxxx | xxxxxx | $197.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $119110.57 | 51.780% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.61 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853625 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2667.73 | $2667.73 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1602.00 | xxxxxx | $133.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $79538.31 | 15.440% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853630 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1979.00 | $1979.00 | 6.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $288.48 | xxxxxx | $24.04 | xxxxxx | xxxxxx | $50.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/05/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $175248.05 | 35.760% | 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 |  |  |  |  |  |  |  | 6.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853631 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1979.00 | $1979.00 | 6.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $288.48 | xxxxxx | $24.04 | xxxxxx | xxxxxx | $50.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/05/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  | 89.92 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853636 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1391.81 | $1391.81 | 6.875% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $750.96 | xxxxxx | $62.58 | xxxxxx | xxxxxx | $164.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $184703.91 | 61.020% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853638 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1034.66 | $1034.66 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1125.60 | xxxxxx | $93.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.65 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 125.49 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853639 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1231.51 | $1231.51 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $765.96 | xxxxxx | $63.83 | xxxxxx | xxxxxx | $65.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/25/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $2500.00 | 1.050% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.07 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853641 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1554.57 | $1554.57 | 6.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1344.00 | xxxxxx | $112.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 14.4 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853642 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1414.04 | $1414.04 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $588.00 | xxxxxx | $49.00 | xxxxxx | xxxxxx | $135.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/08/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $229919.93 | 80.110% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.25 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Property Focused |
| xxxxxx | 853738 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $766.72 | $766.72 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1488.96 | xxxxxx | $124.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/04/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.65 |  |  |  |  |  |  |  | xxxxxx | $138404.78 | 95.980% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 97.59 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853740 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1347.54 | $1347.54 | 5.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1421.52 | xxxxxx | $118.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.6 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 56.06 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |  | 360 | Property Focused |
| xxxxxx | 853750 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2126.42 | $2126.42 | 6.124% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1088.52 | xxxxxx | $90.71 | xxxxxx | xxxxxx | $1518.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/25/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854374 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2630.09 | $2630.09 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5520.36 | xxxxxx | $460.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854375 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1097.64 | $1097.64 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3711.00 | xxxxxx | $309.25 | xxxxxx | xxxxxx | $400.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/16/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.999% | 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 | 84.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854376 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2098.89 | $2098.89 | 6.875% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  | 1 | xxxxxx | $1851.00 | xxxxxx | $154.25 | xxxxxx | xxxxxx | $300.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/06/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  | No | 19.99 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854378 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2020.38 | $2020.38 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $804.96 | xxxxxx | $67.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/15/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.92 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854380 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2450.04 | $2450.04 | 8.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1982.04 | xxxxxx | $165.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 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 |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 21.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854381 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1364.05 | $1364.05 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1079.04 | xxxxxx | $89.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.25 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854382 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1604.76 | $1604.76 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $4167.96 | xxxxxx | $347.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.3 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 111.58 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854384 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1315.05 | $1315.05 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1247.04 | xxxxxx | $103.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 34.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854385 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1152.52 | $1152.52 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2424.36 | xxxxxx | $202.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.8 |  |  |  | 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 | 105.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854388 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1254.73 | $1254.73 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1299.96 | xxxxxx | $108.33 | xxxxxx | xxxxxx | $400.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/02/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $68675.55 | 28.610% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.98 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854391 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1037.77 | $1037.77 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $888.96 | xxxxxx | $74.08 | xxxxxx | xxxxxx | $205.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/02/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $36550.47 | 18.740% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.44 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | Property Focused |
| xxxxxx | 854392 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9084.53 | $9084.53 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $9087.96 | xxxxxx | $757.33 | xxxxxx | xxxxxx | $50.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/10/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 83.43 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854393 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6838.60 | $6838.60 | 6.999% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $2288.04 | xxxxxx | $190.67 | xxxxxx | xxxxxx | $398.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/17/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  | 240 | 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 | 5.62 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 854469 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4270.04 | $4270.04 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $6144.96 | xxxxxx | $512.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 111.92 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 854677 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3464.90 | $3464.90 | 8.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3929.04 | xxxxxx | $327.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.8 |  |  |  | N/A | No | 8.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.54 | 0.39 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 110.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 854681 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $923.48 | $923.48 | 6.249% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  | 2 | xxxxxx | $1523.52 | xxxxxx | $126.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.55 |  |  |  |  |  |  |  | xxxxxx | $69642.07 | 34.820% | Yes |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 6.92 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854686 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $768.92 | $768.92 | 5.874% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $966.00 | xxxxxx | $80.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 5.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $126819.78 | 66.740% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 45.9 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854691 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1329.81 | $1329.81 | 6.249% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | xxxxxx | $1182.00 | xxxxxx | $98.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $87166.73 | 30.260% | No |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.48 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 854703 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2695.08 | $2695.08 | 5.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $6819.72 | xxxxxx | $568.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.94 | 0.51 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 23.83 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854709 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2337.28 | $2337.28 | 6.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2048.04 | xxxxxx | $170.67 | xxxxxx | xxxxxx | $340.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/20/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.66 |  |  |  |  |  |  | 240 | xxxxxx | $283037.40 | 52.900% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.07 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 240 | Property Focused |
| xxxxxx | 854716 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1200.46 | $1200.46 | 6.624% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $3699.72 | xxxxxx | $308.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $65474.26 | 26.180% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 854722 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1244.19 | $1244.19 | 6.990% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1808.52 | xxxxxx | $150.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 97.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855198 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1297.06 | $1297.06 | 6.749% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  | 1 | xxxxxx | $693.84 | xxxxxx | $57.82 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | Yes |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 38.43 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855214 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $828.06 | $828.06 | 5.874% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $903.00 | xxxxxx | $75.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 5.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $132959.12 | 66.470% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 69.96 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855679 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1954.02 | $1954.02 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $4159.92 | xxxxxx | $346.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 28.94 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855680 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2218.21 | $2218.21 | 6.990% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $2464.92 | xxxxxx | $205.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | No | 32.79 |  |  | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855683 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $738.97 | $738.97 | 6.874% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $929.04 | xxxxxx | $77.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/26/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | xxxxxx | $138089.17 | 92.050% | 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 |  |  |  |  |  |  |  | 89.07 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855685 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1356.77 | $1356.77 | 6.374% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $752.04 | xxxxxx | $62.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/01/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.69 |  |  |  |  |  |  |  | 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 | 128.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855686 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $663.69 | $663.69 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $584.04 | xxxxxx | $48.67 | xxxxxx | xxxxxx | $449.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/08/2025 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.72 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Property Focused |
| xxxxxx | 855689 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $907.64 | $907.64 | 6.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $618.60 | xxxxxx | $51.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.65 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 121.94 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855692 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $800.31 | $800.31 | 6.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2356.80 | xxxxxx | $196.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | xxxxxx | $1630.66 |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 91.95 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855693 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9060.74 | $9060.74 | 6.490% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $4712.04 | xxxxxx | $392.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 779 | 791 | 779 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $795435.65 | 38.800% | No |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 53.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855696 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1644.46 | $1644.46 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $3348.00 | xxxxxx | $279.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/09/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $55233.66 | 16.740% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 19.95 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855697 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $984.52 | $984.52 | 8.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $1688.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/19/2025 | 631 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 8.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | xxxxxx | $107516.87 | 65.160% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 15.55 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855699 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1413.57 | $1413.57 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $3735.60 | xxxxxx | $311.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $108480.75 | 40.320% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.33 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 855702 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $12513.22 | $12513.22 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1953.00 | xxxxxx | $162.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.56 | 1.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 67.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855704 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $776.63 | $776.63 | 6.490% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $927.96 | xxxxxx | $77.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/29/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 5 | 153.72 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.61 |  |  |  |  |  |  |  | xxxxxx | $115943.36 | 56.550% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 19.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 855710 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1063.41 | $1063.41 | 6.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1200.96 | xxxxxx | $100.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $64989.24 | 32.490% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.92 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855711 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1584.35 | $1584.35 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1557.96 | xxxxxx | $129.83 | xxxxxx | xxxxxx | $300.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/28/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $3000.00 | 0.990% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.71 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 856418 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1756.78 | $1756.78 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $774.00 | xxxxxx | $64.50 | xxxxxx | xxxxxx | $83.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/14/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | xxxxxx | $91124.78 | 27.200% | Yes |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.54 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 856419 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2447.25 | $2447.25 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1871.76 | xxxxxx | $155.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.75 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856422 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2682.96 | $2682.96 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3596.40 | xxxxxx | $299.70 | xxxxxx |  | $400.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/28/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.750% | 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 | 16.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 856435 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2351.17 | $2351.17 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $984.00 | xxxxxx | $82.00 | xxxxxx | xxxxxx | $733.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 12/18/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $441606.44 | 60.910% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 11 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856436 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1609.48 | $1609.48 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2733.96 | xxxxxx | $227.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $11864.99 |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856438 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4523.92 | $4523.92 | 7.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $366.96 | xxxxxx | $30.58 | xxxxxx | xxxxxx | $708.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/10/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $528576.82 | 46.850% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.65 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856447 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4317.65 | $4317.65 | 7.500% | No | No | Not Employed | Not Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3377.04 | xxxxxx | $281.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/06/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 112.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856480 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1057.72 | $1057.72 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2144.76 | xxxxxx | $178.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.3 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856483 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6139.59 | $6139.59 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $8787.12 | xxxxxx | $732.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $368480.00 | 30.700% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 2.72 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856484 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1490.00 | $1490.00 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $927.96 | xxxxxx | $77.33 | xxxxxx | xxxxxx | $438.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/20/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.19 | 0.46 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 7.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856485 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1554.99 | $1554.99 | 6.999% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $1506.96 | xxxxxx | $125.58 | xxxxxx | xxxxxx | $1315.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $288448.77 | 67.870% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856504 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2627.72 | $2627.72 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3510.00 | xxxxxx | $292.50 | xxxxxx | xxxxxx | $585.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/10/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $997315.18 | 100.000% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 136.33 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856505 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $863.34 | $863.34 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $741.00 | xxxxxx | $61.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/10/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.57 |  |  |  |  |  |  |  | xxxxxx | $4018.79 |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 85.58 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 856507 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1010.58 | $1010.58 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1509.00 | xxxxxx | $125.75 | xxxxxx | xxxxxx | $150.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/27/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Guarantor - Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 95.36 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857087 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $607.55 | $607.55 | 6.124% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1137.00 | xxxxxx | $94.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/17/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 6.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.28 | 0.43 |  |  |  |  |  |  |  | xxxxxx | $750091.12 | 100.000% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 443.56 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857088 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4318.39 | $4318.39 | 6.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $9729.96 | xxxxxx | $810.83 | xxxxxx | xxxxxx | $1740.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/18/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.48 | 0.28 |  |  |  |  |  |  | 240 | xxxxxx | $1864029.52 |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 341.21 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857089 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $631.41 | $631.41 | 6.490% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1653.12 | xxxxxx | $137.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | xxxxxx | $50873.92 | 40.690% | No |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 22.69 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857094 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $828.73 | $828.73 | 7.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1686.96 | xxxxxx | $140.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $52352.05 | 34.900% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 857095 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1404.00 | $1404.00 | 6.490% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $2660.16 | xxxxxx | $221.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $105750.12 | 24.030% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | 43.16 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857096 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $910.42 | $910.42 | 6.874% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $756.96 | xxxxxx | $63.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | No | 95.28 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857097 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $735.69 | $735.69 | 6.874% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1677.96 | xxxxxx | $139.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.61 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | No | 49.05 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857098 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1038.91 | $1038.91 | 6.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1380.96 | xxxxxx | $115.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $26960.22 |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 44.42 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857101 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1099.90 | $1099.90 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $886.68 | xxxxxx | $73.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/29/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $71009.62 | 33.020% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.09 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857103 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1101.63 | $1101.63 | 6.990% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2003.88 | xxxxxx | $166.99 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.81 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857106 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1169.17 | $1169.17 | 7.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $699.96 | xxxxxx | $58.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/18/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 118.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857112 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1728.04 | $1728.04 | 6.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4314.12 | xxxxxx | $359.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/19/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.28 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857114 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1496.45 | $1496.45 | 6.490% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1803.00 | xxxxxx | $150.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.39 | 0.41 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 857115 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $877.31 | $877.31 | 6.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1974.96 | xxxxxx | $164.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $107294.78 | 65.020% | 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 |  |  |  |  |  |  |  | 46.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857120 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1923.95 | $1923.95 | 7.124% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $534.00 | xxxxxx | $44.50 | xxxxxx | xxxxxx | $857.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.03 | 0.49 |  |  |  |  |  |  |  | xxxxxx | $175327.26 | 42.970% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.47 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857124 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1563.54 | $1563.54 | 7.490% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  | 1 | xxxxxx | $1281.96 | xxxxxx | $106.83 | xxxxxx | xxxxxx | $488.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.11 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | 240 | Property Focused |
| xxxxxx | 857127 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1373.33 | $1373.33 | 6.624% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $609.96 | xxxxxx | $50.83 | xxxxxx | xxxxxx | $1138.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 69.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857130 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1289.38 | $1289.38 | 6.990% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  | 1 | xxxxxx | $1160.04 | xxxxxx | $96.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  |  |  |  |  | xxxxxx | $204021.39 | 84.130% | 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 |  |  |  |  |  |  |  | 90.14 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857131 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1089.99 | $1089.99 | 6.990% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  | 1 | xxxxxx | $1097.04 | xxxxxx | $91.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $204021.39 | 99.520% | 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 |  |  |  |  |  |  |  | 103.95 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857601 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $808.21 | $808.21 | 7.990% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $625.92 | xxxxxx | $52.16 | xxxxxx | xxxxxx | $938.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/13/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $122516.90 | 83.340% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 37.51 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 857605 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2335.50 | $2335.50 | 7.624% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $3237.96 | xxxxxx | $269.83 | xxxxxx | xxxxxx | $1500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/19/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.17 |  |  |  |  |  |  |  | xxxxxx | $151380.27 | 34.400% | 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 |  |  |  |  |  |  |  | 7.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857611 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5158.58 | $5158.58 | 7.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3320.16 | xxxxxx | $276.68 | xxxxxx | xxxxxx | $175.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/30/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx | $0.00 |  | No |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857612 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6077.68 | $6077.68 | 7.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1200.00 | xxxxxx | $100.00 | xxxxxx | xxxxxx | $10656.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/30/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.34 | 2.96 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 117.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857613 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2129.05 | $2129.05 | 7.990% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $3320.04 | xxxxxx | $276.67 | xxxxxx | xxxxxx | $159.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.03 |  |  |  |  |  |  |  | xxxxxx | $9000.00 | 2.160% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857614 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1253.28 | $1253.28 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1071.96 | xxxxxx | $89.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/28/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 | 240 | Property Focused |
| xxxxxx | 857615 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1036.83 | $1036.83 | 6.990% | No | No |  |  |  |  | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $828.00 | xxxxxx | $69.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2025 | 808 | 785 | 809 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $79668.27 | 40.850% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 18.34 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857616 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4369.67 | $4369.67 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $3428.04 | xxxxxx | $285.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $505107.80 | 51.800% | No |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 99.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857617 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2216.35 | $2216.35 | 6.249% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $3788.04 | xxxxxx | $315.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/29/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $122348.26 | 27.180% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 6.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | Property Focused |
| xxxxxx | 857619 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1534.74 | $1534.74 | 7.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1104.00 | xxxxxx | $92.00 | xxxxxx | xxxxxx | $333.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/19/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $102785.39 | 34.260% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 8.41 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857620 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1302.68 | $1302.68 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $2130.84 | xxxxxx | $177.57 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.56 |  |  |  |  |  |  |  | xxxxxx | $982236.77 | 100.000% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 500.1 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857621 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2605.35 | $2605.35 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $3920.52 | xxxxxx | $326.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.83 | 0.54 |  |  |  |  |  |  |  | xxxxxx | $985187.91 | 100.000% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 235.05 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857622 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2574.90 | $2574.90 | 6.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $3920.52 | xxxxxx | $326.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.53 |  |  |  |  |  |  |  | xxxxxx | $984317.82 | 100.000% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 236.69 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857623 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1541.95 | $1541.95 | 6.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $2726.04 | xxxxxx | $227.17 | xxxxxx | xxxxxx | $810.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 784 | 799 | 781 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1 |  |  |  |  |  |  |  | xxxxxx | $282354.24 | 97.360% | No |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 136.58 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857625 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1100.19 | $1100.19 | 7.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1000.08 | xxxxxx | $83.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 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 | 113.34 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857627 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1137.13 | $1137.13 | 7.124% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1005.00 | xxxxxx | $83.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/10/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $70226.03 | 33.280% | No |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.21 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857629 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2480.02 | $2480.02 | 6.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1245.96 | xxxxxx | $103.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.98 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857631 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1616.76 | $1616.76 | 7.124% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $1306.92 | xxxxxx | $108.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.8 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 12.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857633 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2149.17 | $2149.17 | 7.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1443.72 | xxxxxx | $120.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/11/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $127717.16 | 32.830% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.66 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857634 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4822.70 | $4822.70 | 6.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $3815.04 | xxxxxx | $317.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/27/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $259725.61 | 34.630% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.64 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | Property Focused |
| xxxxxx | 857636 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $986.98 | $986.98 | 6.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $951.96 | xxxxxx | $79.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/01/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | 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 | 15.55 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857646 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $27395.00 | $28181.97 | xxxxxx | 7.022% | $6640.97 | $6640.97 | 6.749% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $7992.28 | 1 | xxxxxx | $5946.00 | xxxxxx | $495.50 | xxxxxx | xxxxxx | $876.00 |  | Annually | 48.966% | 48.966% | 48.966% | 12/12/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 57.000% | 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> [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 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $27395.00 | xxxxxx | 6.220% | $205000.00 | 1 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $140303.59 | 10.960% | No | 5 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 7.1 |  |  | No | xxxxxx | $0.00 | $6666.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 857822 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8780.08 | $8780.08 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $3739.20 | xxxxxx | $311.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.06 | 0.94 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | No | 46.15 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857823 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3679.73 | $3679.73 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2351.52 | xxxxxx | $195.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 857837 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2814.28 | $2814.28 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1184.76 | xxxxxx | $98.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $79274.90 | 12.950% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | Property Focused |
| xxxxxx | 857838 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2261.99 | $2261.99 | 6.750% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1676.28 | xxxxxx | $139.69 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $137384.67 | 29.540% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.11 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859171 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1050.68 | $1050.68 | 7.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $2082.96 | xxxxxx | $173.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  | 240 | 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 | 14.96 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 859172 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $832.75 | $832.75 | 7.749% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $2572.92 | xxxxxx | $214.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/21/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.1 |  |  |  | Yes | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.62 |  |  |  |  |  |  |  | xxxxxx | $39488.39 | 25.470% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 23.14 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859173 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $772.63 | $772.63 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $4155.60 | xxxxxx | $346.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/17/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.02 | 0.49 |  |  |  |  |  |  |  | xxxxxx | $77160.40 | 49.780% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 15.25 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859175 | xxxxxx | N/A |  |  | xxxxxx | No | No | $27525.00 | $13226.05 | xxxxxx | 7.344% | $2206.58 | $2206.58 | 6.990% | No | No | Not Employed | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  | xxxxxx |  |  | $116527.27 | 1 | xxxxxx | $1180.44 | xxxxxx | $98.37 | xxxxxx | xxxxxx | $1584.00 |  | Annually | 41.702% | 41.702% | 41.702% | 11/06/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2026<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 - Business - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $27525.00 | xxxxxx | 6.250% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Passport, VISA |  |  | No | 42.48 |  | No | Yes | xxxxxx | $199881.05 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 20 | 360 | Mortgagor Focused |
| xxxxxx | 859176 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $757.70 | $757.70 | 6.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2265.96 | xxxxxx | $188.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/03/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 223.92 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.81 | 0.54 |  |  |  |  |  |  |  | xxxxxx | $251993.36 | 100.000% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 212.21 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859177 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $682.11 | $682.11 | 7.249% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1368.00 | xxxxxx | $114.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/30/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.51 | 0.39 |  |  |  |  |  |  |  | xxxxxx | $7000.00 | 5.460% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 696.6 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859179 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1372.37 | $1372.37 | 6.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1023.48 | xxxxxx | $85.29 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $18777.10 | 6.820% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.34 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | Property Focused |
| xxxxxx | 859180 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1659.19 | $1659.19 | 6.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1409.16 | xxxxxx | $117.43 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/17/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $174820.17 | 45.400% | No |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.78 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | Property Focused |
| xxxxxx | 859181 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8093.67 | $8093.67 | 6.749% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $9202.32 | xxxxxx | $766.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  |  |  |  |  | xxxxxx | $798874.99 | 41.600% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859183 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1232.47 | $1232.47 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1014.12 | xxxxxx | $84.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.95 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859185 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2361.03 | $2361.03 | 7.490% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1703.88 | xxxxxx | $141.99 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/20/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.09 |  |  |  |  |  |  |  | xxxxxx | $444658.84 | 100.000% | 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 |  |  |  |  |  |  |  | 116.38 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859187 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1571.22 | $1571.22 | 6.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1743.12 | xxxxxx | $145.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $110332.57 | 36.900% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | 18.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859188 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $820.44 | $820.44 | 7.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1029.96 | xxxxxx | $85.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.53 |  |  |  |  |  |  |  | xxxxxx | $52341.74 | 35.240% | No |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.71 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859189 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4296.25 | $4296.25 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5274.36 | xxxxxx | $439.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  | 120 | xxxxxx |  |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 135.25 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 120 | Property Focused |
| xxxxxx | 859190 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5209.05 | $5209.05 | 6.990% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $4009.44 | xxxxxx | $334.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.4 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $808350.49 | 77.350% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.16 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859191 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1460.63 | $1460.63 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1800.00 | xxxxxx | $150.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/28/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx | $0.00 |  | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.61 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 | 240 | Property Focused |
| xxxxxx | 859195 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $824.70 | $824.70 | 7.990% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $901.68 | xxxxxx | $75.14 | xxxxxx | xxxxxx | $565.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $71537.37 | 47.690% | No |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 213.42 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859196 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1300.15 | $1300.15 | 6.124% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1320.36 | xxxxxx | $110.03 | xxxxxx | xxxxxx | $142.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 12/11/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $248184.26 | 91.920% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 106.7 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 859200 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1798.16 | $1798.16 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1640.04 | xxxxxx | $136.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/19/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $108235.75 | 29.650% | No |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.6 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property 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** |
| 832104 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | 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 |  |  |

---

## Exhibit 99.9

**EXHIBIT 99.9**

**Canopy financial technology partners, llc ("canopy") narrative**

![](tm2611390d1_ex99-9img001.jpg)

**NARRATIVE**

**Verus 2026-4**

**By Canopy Financial Technology Partners LLC on April 06, 2026**

Canopy Financial Technology Partners LLC

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

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

![](tm2611390d1_ex99-9img001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review") described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by VMC Asset Pooler, LLC (the "Client") or its affiliated company. The Review was conducted from November 2025 to March 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of five hundred fifty-two (552) Loans with an aggregate principal balance of $284,109,315.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Kroll Bond Rating Agency, LLC and Moody's Investors Service, Inc.

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |

---

![](tm2611390d1_ex99-9img001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets
 and Reserves;

· DTI;

· DSCR;

· Gross
 Income;

· Housing
 history;

· Lien
 Position;

· Loan
 Purpose;

· LTV/CLTV;

· Monthly
 debt service;

· Occupancy;

![](tm2611390d1_ex99-9img001.jpg)

· Property
 Type;

· Qualifying
 PITI; and

· Residual
 Income.

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

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

· Borrower(s) employment
 history ;

· Citizenship
 and eligibility;

· First
 time home buyer status ;

· The
 application was signed by all borrowers; and

· The
 application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy
 and foreclosure seasoning;

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

· Installment
 and revolving payment history;

· Mortgage/rental
 payment history;

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

· Number
 of tradelines; and

· Representative
 Credit Score and Methodology.

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

· Verbal
 or Written VOE's;

· Paystubs;

· W-2
 forms;

· Tax
 returns;

· Financial
 statements;

· Award
 letters;

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

![](tm2611390d1_ex99-9img001.jpg)

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

· Borrower
 identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social
 Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 name variations

· Employment:

· Licensing
 – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan
 officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject
 property ownership history

· OFAC.

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

· Depository
 account statements;

· Gift
 funds;

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

· Stock
 or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

![](tm2611390d1_ex99-9img001.jpg)

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

**Document Review**

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

· Initial
 application (1003);

· Final
 application (1003);

· Note;

· Mortgage/Deed
 of Trust;

· Appraisal;

· Sales
 Contract;

· Title
 Commitment/Policy;

· Junior
 Lien/Subordination Agreement;

· Mortgage
 Insurance;

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

· Flood
 Certification;

· Initial
 and Final Loan Estimate (LE);

· Initial
 and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

![](tm2611390d1_ex99-9img001.jpg)

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

![](tm2611390d1_ex99-9img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review
 of the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the
 transaction date and expiration date, ensuring 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;

![](tm2611390d1_ex99-9img001.jpg)

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

![](tm2611390d1_ex99-9img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](tm2611390d1_ex99-9img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)**

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

![](tm2611390d1_ex99-9img001.jpg)

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

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

**Ability to Repay (ATR)**

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

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

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

**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.

![](tm2611390d1_ex99-9img001.jpg)

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

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

***Independent third-party values, CU SCORES and FHLMC REPS and WARRANTS***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

***TITLE REVIEW SUMMARY (1 Mortgage Loan)***

As part of the due diligence services, the Client provided Canopy with identifying data on one (1) Loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

· There
 are no potential issues concerning origination deed vesting.

· 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.

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

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

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

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

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

![](tm2611390d1_ex99-9img001.jpg)

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E; Kroll Bond Rating Agency, LLC and Moody's Investors Service, Inc.

---

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

---

---

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

---

![](tm2611390d1_ex99-9img001.jpg)

---

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

---

---

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

---

**FINDINGS SUMMARY**

**Summary Overview - KBRA**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 83.51% (461 loans) have an overall grade of "A", and 16.49% (91 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 467 Loans reviewed (84.60%), and 85 loans (15.40%) have a Credit grade of "B".

![](tm2611390d1_ex99-9img001.jpg)

Canopy's review concluded a Compliance grade of "A" for 548 Loans reviewed (99.28%), and 4 loans (0.72%) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 547 Loans reviewed (99.09%), and 5 loan (0.91%) has a Property grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES - KBRA**

---

| | | |
|:---|:---|:---|
| &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;461 | &nbsp;&nbsp;83.51% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;91 | &nbsp;&nbsp;16.49% |
| &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;**552** | &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;467 | &nbsp;&nbsp;84.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;85 | &nbsp;&nbsp;15.40% |
| &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;**552** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;548 | &nbsp;&nbsp;99.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;547 | &nbsp;&nbsp;99.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.91% |
| &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;**552** | &nbsp;&nbsp;**100.00%** |

---

![](tm2611390d1_ex99-9img001.jpg)

**Summary Overview – Moody's**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 75.18% (415 loans) have an overall grade of "A", and 16.12% (89 loans) have an overall grade of "B" and 8.70% (48) are N/A.

Canopy's review concluded a Credit grade of "A" for 420 Loans reviewed (76.09%), and 84 loans (15.22%) have a Credit grade of "B" and 8.70% (48) are N/A.

Canopy's review concluded a Compliance grade of "A" for 501 Loans reviewed (90.76%), and 3 loans (0.54%) have a Compliance grade of "B" and 8.70% (48) are N/A.

Canopy's review concluded a Property/Valuation grade of "A" for 499 Loans reviewed (90.40%), and 5 loans (0.91%) has a Property grade of "B" and 8.70% (48) are N/A.

**FINDINGS TABLE**

**REVIEW TABLES – Moody's**

---

| | | |
|:---|:---|:---|
| &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;415 | &nbsp;&nbsp;75.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;89 | &nbsp;&nbsp;16.12% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;48 | &nbsp;&nbsp;8.70% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**552** | &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;420 | &nbsp;&nbsp;76.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;84 | &nbsp;&nbsp;15.22% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;48 | &nbsp;&nbsp;8.70% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** |

---

![](tm2611390d1_ex99-9img001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;501 | &nbsp;&nbsp;90.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;48 | &nbsp;&nbsp;8.70% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;499 | &nbsp;&nbsp;90.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;48 | &nbsp;&nbsp;8.70% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;532 | &nbsp;&nbsp;96.38% | &nbsp;&nbsp;$273300774.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;20 | &nbsp;&nbsp;3.62% | &nbsp;&nbsp;$10808541.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$284109315.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;504 | &nbsp;&nbsp;91.30% | &nbsp;&nbsp;$269512832.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;48 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;$14596483.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$284109315.00** |

---

![](tm2611390d1_ex99-9img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &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;2 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$1680000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$485000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;190 | &nbsp;&nbsp;34.42% | &nbsp;&nbsp;$92625155.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;51 | &nbsp;&nbsp;9.24% | &nbsp;&nbsp;$30371445.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;264 | &nbsp;&nbsp;47.83% | &nbsp;&nbsp;$132996584.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;43 | &nbsp;&nbsp;7.79% | &nbsp;&nbsp;$25951131.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$284109315.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;$870013.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;$385000.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;$100000.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;539 | &nbsp;&nbsp;97.64% | &nbsp;&nbsp;$279184052.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.09% | &nbsp;&nbsp;$3570250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$284109315.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;220 | &nbsp;&nbsp;39.86% | &nbsp;&nbsp;$133667549.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.99% | &nbsp;&nbsp;$7288594.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;321 | &nbsp;&nbsp;58.15% | &nbsp;&nbsp;$143153172.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$284109315.00** |

---

![](tm2611390d1_ex99-9img001.jpg)

**DATA COMPARISON RESULTS**

Of the five hundred fifty-two (552) mortgage loan files reviewed, three hundred thirty-seven (337) unique loans (61.05% by number) had five hundred thirty-three (533) tape comparison discrepancies across twenty-four (24) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;552 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;15 | &nbsp;&nbsp;552 | &nbsp;&nbsp;2.72% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;20 | &nbsp;&nbsp;552 | &nbsp;&nbsp;3.62% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;32 | &nbsp;&nbsp;552 | &nbsp;&nbsp;5.80% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;17 | &nbsp;&nbsp;552 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;51 | &nbsp;&nbsp;552 | &nbsp;&nbsp;9.24% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;552 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;16 | &nbsp;&nbsp;552 | &nbsp;&nbsp;2.90% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;552 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;11 | &nbsp;&nbsp;552 | &nbsp;&nbsp;1.99% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;30 | &nbsp;&nbsp;552 | &nbsp;&nbsp;5.43% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;52 | &nbsp;&nbsp;552 | &nbsp;&nbsp;9.42% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;552 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;123 | &nbsp;&nbsp;552 | &nbsp;&nbsp;22.28% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;552 | &nbsp;&nbsp;1.63% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;19 | &nbsp;&nbsp;552 | &nbsp;&nbsp;3.44% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;12 | &nbsp;&nbsp;552 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;12 | &nbsp;&nbsp;552 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;552 | &nbsp;&nbsp;1.63% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;12 | &nbsp;&nbsp;552 | &nbsp;&nbsp;2.17% |
| &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;56 | &nbsp;&nbsp; <br>552 | &nbsp;&nbsp;10.14% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;552 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;552 | &nbsp;&nbsp;1.81% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;552 | &nbsp;&nbsp;0.36% |

---

![](tm2611390d1_ex99-9img001.jpg)

**Disclaimer**

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

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

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

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

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

## Exhibit 99.10

**EXHIBIT 99.10**

**Canopy 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** |
| 844379 | xxxxxx | B A | Closed | xxxxxx | 2026-02-02 07:12 | 2026-02-05 17:33 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Counter-Unable to open attachment in Zip File - Please re-upload - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. See attached pre approval. - Due Diligence Vendor-02/04/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/02/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 50% 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 1524.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 1524.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 844379_xxxxxx_844379_xxxxxx_Final__LDL_1-21-26.pdf<br> 844379_xxxxxx Final LDL 1-21-26 (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846144 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846998 | xxxxxx | D A | Closed | xxxxxx | 2026-02-09 15:38 | 2026-02-12 11:39 | 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-02/12/2026 <br>Ready for Review-Document Uploaded. Please see attached Gap Report. - Due Diligence Vendor-02/11/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the gap report or UDN required per guidelines. Provide an updated, or gap credit report or debt monitoring (UDM), no more than 10 days prior to loan closing or any time after closing to confirm there is no new borrower debt obligation & all debt paid as agreed. - Due Diligence Vendor-02/09/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 38.34% 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 is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 729 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 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 |  | 846998_xxxxxx_Credit_Refresh_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 |
| 848246 | xxxxxx | D A | Closed | xxxxxx | 2026-02-15 08:06 | 2026-02-18 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-02/18/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary used to calculate the final income used to qualify - Due Diligence Vendor-02/15/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/18/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 48.96 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.12 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.12 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 763 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 26.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 848246_xxxxxx_848246_xxxxxx_ANALYSIS_(1).xlsx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848322 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-15 11:19 | 2025-10-15 11:20 | Waived | 2 - Non-Material D B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors - Due Diligence Vendor-10/15/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Exception granted with supporting comp factors: GUIDELINES REQUIRE A CPA OR BORROWER AUTHORED LETTER FOR USE OF BUSINESS FUNDS FOR THE EARNEST MONEY DEPOSIT REQUESTING THIS LETTER BE WAIVED AS BORROWER IS WELL CAPITALIZED IN THEIR LIQUID PERONAL BANK ACCOUNT – EXCEEDING OUR LOAN AMOUNT <br> - Due Diligence Vendor-10/15/2025 |  |  | Experienced real estate investor - Borrower currently owns one additional investment property for over 1.5 years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 422.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 240+ MONTHS POST CLOSING LIQUID RESERVES FOR SUBJECT PITIA<br> CASH FLOWING SHORT TERM RENTAL IN AN ESTABLISHED xxxxxx  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848322 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-16 13:53 | 2025-10-15 11:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: GUIDELINES REQUIRES 24 MONTHS' RESIDENCY HISTORY FOR NON-PERMANENT RESIDENTS REQUESTING AN EXCEPTION FOR 22 MONTHS RESIDENCYS PER LOE IN FILE - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Counter-Missing "dated" lender exception - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Missing signed and dated lender exception for not having 24 month non permanent resident housing history. B1 has 22 month history. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: GUIDELINES REQUIRES 24 MONTHS' RESIDENCY HISTORY FOR NON-PERMANENT RESIDENTS REQUESTING AN EXCEPTION FOR 22 MONTHS RESIDENCYS PER LOE IN FILE - Due Diligence Vendor-10/15/2025 | Experienced real estate investor - Borrower currently owns one additional investment property for over 1.5 years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 422.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 240 months post closing reserves<br> Cash flowing short term rental in established xxxxxx. | EXCEPTION FORM (1).pdf<br> EXCEPTION FORM xxxxxx Signed and Dated.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848322 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-16 13:47 | 2025-10-15 11:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: GUIDELINES REQUIRE A 5% LTV REDUCTION AND USE 80% OF THE GROSS RENTAL INCOME FOR SHORT TERM RENTALS REQUESTING THE 5% LTV REDUCTION TO BE WAIVED AND TO USE 100% OF THE RENTAL INCOME FOR A DSCR >1.0 IF NEEDED - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Counter-Missing "dated" lender exception - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% Missing signed and dated lender exception first time investor LTV exceeding 65% - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: GUIDELINES REQUIRE A 5% LTV REDUCTION AND USE 80% OF THE GROSS RENTAL INCOME FOR SHORT TERM RENTALS REQUESTING THE 5% LTV REDUCTION TO BE WAIVED AND TO USE 100% OF THE RENTAL INCOME FOR A DSCR >1.0 IF NEEDED - Due Diligence Vendor-10/15/2025 | Experienced real estate investor - Borrower currently owns one additional investment property for over 1.5 years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 422.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 240 months post closing reserves<br> Cash flowing short term rental in established xxxxxx. | EXCEPTION FORM (1).pdf<br> EXCEPTION FORM xxxxxx Signed and Dated.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848322 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-16 13:27 | 2025-10-15 11:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: RURAL PROPERTY AND ZONING EXCEPTION REQUESTING THIS TO BE WAIVED AS THE SUBJECT IS IN A xxxxxx AREA - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Counter-Missing "dated" lender exception - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Missing signed and dated lender exception for rural property and zoning exception - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: RURAL PROPERTY AND ZONING EXCEPTION REQUESTING THIS TO BE WAIVED AS THE SUBJECT IS IN A xxxxxx - Due Diligence Vendor-10/15/2025 | Experienced real estate investor - Borrower currently owns one additional investment property for over 1.5 years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 422.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 240 months post closing reserves<br> Cash flowing short term rental in established xxxxxx. | EXCEPTION FORM (1).pdf<br> EXCEPTION FORM xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848322 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-16 13:54 | 2025-10-15 11:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: SUBJECT PROPERTY IS A xxxxxx PER xxxxxx AND PURCHASE CONTRACT: xxxxxx \| xxxxxx \| xxxxxx<br> REQUESTING THIS TO BE WAIVED - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Counter-Missing "dated" lender exception - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Missing signed and dated lender exception for xxxxxx as mentioned in xxxxxx and purchase contract. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: SUBJECT PROPERTY IS A xxxxxx PER xxxxxx AND PURCHASE CONTRACT: xxxxxx \| xxxxxx \| xxxxxx<br> REQUESTING THIS TO BE WAIVED - Due Diligence Vendor-10/15/2025 | Experienced real estate investor - Borrower currently owns one additional investment property for over 1.5 years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 422.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 240 months post closing reserves<br> Cash flowing short term rental in established xxxxxx. | EXCEPTION FORM (1).pdf<br>EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848519 | xxxxxx | D A | Closed | xxxxxx | 2026-01-21 12:38 | 2026-02-04 08:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. 2/3/26 - please see CDA. - Due Diligence Vendor-02/04/2026 <br> Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/21/2026 |  | Resolved-desk review provided - Due Diligence Vendor-02/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.82 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 848519_xxxxxx_CDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848916 | xxxxxx | D A B | Closed | xxxxxx | 2026-02-12 22:44 | 2026-02-18 07:35 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Re-uploaded manually. xxxxxx! - Buyer-02/17/2026 <br>Counter-Same error message - unbale to open attachment - Compressed (zipped) error - Please re-upload - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Re-uploaded UW Approval. - Due Diligence Vendor-02/17/2026 <br>Counter-unbale to open attachment - Compressed (zipped) error - Please re-upload - Due Diligence Vendor-02/15/2026 <br>Ready for Review-Document Uploaded. Please see the UW Approval. xxxxxx! - Due Diligence Vendor-02/15/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/13/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.8 Are Greater Than The Guideline Minimum Of 9 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.27% 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 - 20.21 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 - 20.21 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |  | 848916_xxxxxx_848916_xxxxxx_FINAL_Notice_of_Loan_Approval_2-3-26.pdf<br> Full Review848916_xxxxxx_2_17_2026_82816_AM.zip<br> 848916 xxxxxx FINAL Notice of Loan Approval xxxxxx (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848916 | xxxxxx | D A B | Closed | xxxxxx | 2026-02-12 05:23 | 2026-02-18 07:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved- - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Document re-uploaded. xxxxxx! - Buyer-02/17/2026 <br>Counter-Unable to open Zip File. Please re-upload - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Please find a copy of the Condo Rider uploaded. xxxxxx! - Due Diligence Vendor-02/17/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/12/2026 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.8 Are Greater Than The Guideline Minimum Of 9 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.27% 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 - 20.21 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 - 20.21 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |  | 848916_xxxxxx_Condominium_Rider_(signed).pdf<br> Condominium Rider (signed).pdf<br> LOI.pdf<br> Condo Rider DOT Re-Recording Package.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848935 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849043 | xxxxxx | C A | Closed | xxxxxx | 2026-01-22 12:23 | 2026-02-02 12:13 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review completed - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Please see attached - Seller-02/02/2026 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) The CU Score is greater than 2.5, and a third party valuation product was not provided. - Due Diligence Vendor-01/27/2026 | Ready for Review-Please see attached - Seller-02/02/2026 | Resolved-desk review completed - Due Diligence Vendor-02/02/2026 | 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 - 35.00 Years |  | xxxxxx_RDA (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849052 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849112 | xxxxxx | B A | Closed | xxxxxx | 2026-01-02 05:18 | 2026-01-07 13:28 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. see UW approval - Due Diligence Vendor-01/06/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/02/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.02 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 - 7.75 Years |  | 849112_xxxxxx_849112_xxxxxx_Final_LDL_12.16.2025.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849112 | xxxxxx | B A | Closed | xxxxxx | 2026-01-02 05:31 | 2026-01-02 05:31 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client Exception granted with compensating factors Allow DSCR less than 1.25 (1.01) - Due Diligence Vendor-01/02/2026 |  | Waived-Client Exception granted with compensating factors Allow DSCR less than 1.25 (1.01) - Due Diligence Vendor-01/02/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.02 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 - 7.75 Years | Credit Score 10 points > minimum required<br> 0x30 for 48 months on all mortgages<br> Subject property home ownership > 10 years<br> Credit Score 10 points > minimum required<br> 0x30 for 48 months on all mortgages<br> Subject property home ownership > 10 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 849112 | xxxxxx | B A | Closed | xxxxxx | 2026-01-02 05:18 | 2026-01-02 05:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 70% exceeds Guideline LTV of 65% Allow 70% LTV with loan amt < $150k (65% max) - Due Diligence Vendor-01/02/2026 |  | Waived-Client Exception granted with compensating factors Audited LTV of 70% exceeds Guideline LTV of 65% Allow 70% LTV with loan amt < $150k (65% max) - Due Diligence Vendor-01/02/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.02 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 - 7.75 Years | Credit Score 10 points > minimum required<br> 0x30 for 48 months on all mortgages<br> Subject property home ownership > 10 years<br> Credit Score 10 points > minimum required<br> 0x30 for 48 months on all mortgages<br> Subject property home ownership > 10 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 849330 | xxxxxx | D A | Closed | xxxxxx | 2026-01-29 09:01 | 2026-01-29 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Certificate of good standing dated xxxxxx provided. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Please see attached, delivered in Credit Package. xxxxxx, - Due Diligence Vendor-01/29/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN . Provide Certificate of Good Standing for xxxxxx within 120 days of the Note and the Entity articles of organization or partnership (or equivalent). At the time of review only the Operating Agreement and the Employer Identification Number (EIN)/Tax Identification Number was provided. - Due Diligence Vendor-01/29/2026 |  | Resolved-Certificate of good standing dated xxxxxx provided. - Due Diligence Vendor-01/29/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.97 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 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review849330_xxxxxx_xxxxxx_1_29_2026_125017_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849633 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849913 | xxxxxx | D A | Closed | xxxxxx | 2025-11-10 17:39 | 2026-01-16 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Uploaded guaranty - Due Diligence Vendor-01/15/2026 <br> Counter-The document that's being provided is a Loan Agreement and the condition is for a Personal Guaranty. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Please advise why guaranty isn't sufficient - Due Diligence Vendor-01/14/2026 <br> Counter-The Documents provided are missing the Personal Guaranty - Please provide. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see guaranty - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-12/16/2025 <br> Counter-Personal Guaranty is missing - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Please see Prepayment Addendum. - Due Diligence Vendor-11/17/2025 <br> Open-Personal Guaranty is missing. Missing guaranty is missing. Multiple documents including mortgage and riders show borrower signing individually however the note only shows borrower signing as LLC member and not as an individual. - Due Diligence Vendor-11/10/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/16/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.76% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 849913_xxxxxx_Prepayment_Adendum.pdf<br> 849913_xxxxxx_Personal_Guaranty.pdf<br> 849913_xxxxxx_Personal_Guaranty_1_(2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850147 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-25 09:52 | 2026-03-25 09:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow the use of a field review in lieu of a second full appraisal. Note: property was acquired for only xxxxxx while transfer appraisal has a value of xxxxxx. Field review is being used valued at xxxxxx - Due Diligence Vendor-03/25/2026 <br> Open-Missing second appraisal required by guideline due to property being owned for less than 12 months.<br> - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow the use of a field review in lieu of a second full appraisal. Note: property was acquired for only xxxxxx while transfer appraisal has a value of xxxxxx. Field review is being used valued at xxxxxx - Due Diligence Vendor-03/25/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Investment Property DSCR Exceeds 1.15 - . |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850147 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-13 14:44 | 2025-12-18 17:09 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Counter-Copy of Corrected Mortgage, executed by borrower, with re-record declaration cover or [age 1 verbiage add, and confirmation from title they will facilitate the recording, has not been provided - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. PPP was removed signed by borrower - Seller-12/15/2025 <br> Counter-Effective xxxxxx, minimum loan amount $112,957. https://com.xxxxxx.gov/divisions-and-programs/financial-institutions/consumer-finance/guides-and-resources/loan-prepayment-penalty-and-adjustment - Due Diligence Vendor-11/05/2025 <br> Ready for Review-The PP Matrix does not indicate that xxxxxx prohibits PP. I also looked up the state Citation which concurs with the Matrices except the minimum Loan Amount is now $75,000 per the revised code. We calculated at 1% PP - Seller-11/04/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. Review prior to release - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. PPP was removed signed by borrower - Seller-12/15/2025 <br> Ready for Review-The PP Matrix does not indicate that xxxxxx prohibits PP. I also looked up the state Citation which concurs with the Matrices except the minimum Loan Amount is now $75,000 per the revised code. We calculated at 1% PP - Seller-11/04/2025 | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Investment Property DSCR Exceeds 1.15 - . |  | xxxxxx.pdf<br> Re-Record Mortgage.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850147 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-13 14:54 | 2025-11-05 07:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 <br> Open-TRID: Missing Final Closing Disclosure Final Signed GFE not found - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025 | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-11/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Investment Property DSCR Exceeds 1.15 - . |  | FINAL HUD 1 - WET.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850147 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-14 15:08 | 2025-11-04 07:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025 | Resolved-Business Documents provided - Due Diligence Vendor-11/04/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Investment Property DSCR Exceeds 1.15 - . |  | LLC VESTING ï¿½ ARTICLES OF INCORPORATION.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 |
| 850147 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-13 16:32 | 2025-10-14 12:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception granted with compensating factors Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Exception approval to proceed with xxxxxx loan amount. Per guideline, minimum requirement is $150,000 - Due Diligence Vendor-10/13/2025 |  | Waived-Client Exception granted with compensating factors Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Exception approval to proceed with xxxxxx loan amount. Per guideline, minimum requirement is $150,000 - Due Diligence Vendor-10/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Investment Property DSCR Exceeds 1.15 - . | • DSCR ratio of 1.51.<br> • Borrower exceeds minimum credit score requirement by at least 64 points.<br> • All consumer credit paid as agreed in the most recent 12 month |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850147 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-14 12:35 | 2025-10-14 12:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors Housing History Does Not Meet Guideline Requirements Exception approval for cash payment on previous rental residence. Borrower lived in previous rental residence from xxxxxx and paying cash as per confirmation with the landlord/owner of the property. - Due Diligence Vendor-10/14/2025 |  | Waived-Client Exception granted with compensating factors Housing History Does Not Meet Guideline Requirements Exception approval for cash payment on previous rental residence. Borrower lived in previous rental residence from xxxxxx and paying cash as per confirmation with the landlord/owner of the property. - Due Diligence Vendor-10/14/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Investment Property DSCR Exceeds 1.15 - . | • DSCR ratio of 1.51.<br> • Borrower exceeds minimum credit score requirement by at least 64 points.<br> • All consumer credit paid as agreed in the most recent 12 month |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850197 | 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 |  |  |  |
| 850332 | 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 |  |  |  |
| 850442 | 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 |  |  |  |
| 850504 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850562 | xxxxxx | C A | Closed | xxxxxx | 2025-12-22 11:18 | 2025-12-29 09:58 | 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-12/29/2025 <br>Ready for Review-Document Uploaded. Please see attached 1004D. - Due Diligence Vendor-12/29/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-12/22/2025 |  | 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-12/29/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 752 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 - Validated Months Reserves Of 82.73 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 - Validated Original LTV Of 62.75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |  | 850562_xxxxxx appraisal823404X.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850590 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850685 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850823 | xxxxxx | B A | Closed | xxxxxx | 2025-12-17 18:24 | 2025-12-22 10:53 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. Final Underwriting approval - Due Diligence Vendor-12/22/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-12/17/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69.75 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 790 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review850823_xxxxxx_12_19_2025_113409_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851061 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851100 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 851392 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 13:40 | 2026-02-03 07:41 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM Provided - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached AVM. - Buyer-02/02/2026 <br>Counter-The Lenders Loan file provided both the CU & LCA (UCDP/SSR) Per Guidelines: If both scores (CU & LCA) are provided, both are required to be 2.5 or less. The LCA is 3.5 - 3rd party Valuation is required. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached CU Score of 1. - Due Diligence Vendor-01/21/2026 <br>Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/12/2026 |  | Resolved-AVM Provided - Due Diligence Vendor-02/03/2026 | 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 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 - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.74% 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 - 12.85 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.7 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 0.18<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 - 12.85 Years |  | 851392_xxxxxx.pdf<br> AvmReport-xxxxxx-1769792484271 (002).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 |
| 851452 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 18:23 | 2025-12-16 07:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Mortgage Missing required ARM Rider | Resolved-Adjustable Rate Rider is resolved - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Please see ARM rider - Due Diligence Vendor-12/12/2025 <br> Open-Deed of Trust is Missing Adjustable Rate Rider - Due Diligence Vendor-11/21/2025 |  | Resolved-Adjustable Rate Rider is resolved - Due Diligence Vendor-12/16/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review851452_xxxxxx_12_12_2025_101718_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851452 | xxxxxx | D A | Closed | xxxxxx | 2025-11-24 09:35 | 2025-12-13 09:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 19.78 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/13/2025 <br> Resolved-Audited Reserves of 29.03 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/13/2025 <br> Ready for Review-Document Uploaded. Please see statement - Due Diligence Vendor-12/12/2025 <br> Counter-Assets are still short - Total Cash to Close $158,800.68 / 2 months reserves required $5,559.26 / Short CTC by -$12,229.54 and Reserves by $5559.26 - also still missing proof of wire for Gift fund of $22K. <br> Total Verified Assets is $146,571.13 / xxxxxx $14,830.93 / xxxxxx $3,455.40 (savings) & $52,799.54 (checking) / xxxxxx xxxxxx $13,485.27 (Both gifts have already been included in the audited verified assets) - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached Wired Funds. - Due Diligence Vendor-12/08/2025 <br> Counter-Total Verified Assets is $146,571.13 / xxxxxx xxxxxx $14,830.93 / xxxxxx xxxxxx $3,455.40 (savings) & $52,799.54 (checking) / xxxxxx xxxxxx $13,485.27 / 2 Gift Funds $22K & 40K (missing proof of donors funds or wire receipt from Closing agent) Total Cash to Close $158,800.68 / 2 months reserves required $5,559.26 / Short CTC by -$12,229.54 and Reserves by $5559.26 - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see assets - Due Diligence Vendor-12/01/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 2 Assets are missing from file. Lender to provide assets reflecting that after required funds to close that borrower still has 2 months reserves left in the amount no less than $5559.26 - Due Diligence Vendor-11/24/2025 |  | Resolved-Audited Reserves of 19.78 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/13/2025 <br> Resolved-Audited Reserves of 29.03 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review851452_xxxxxx_12_1_2025_13124_PM.zip<br> 851452_xxxxxx_$40k_Wire.pdf<br> 851452_xxxxxx_$40k_Wire.pdf<br> 851452_xxxxxx_new.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851452 | xxxxxx | D A | Closed | xxxxxx | 2025-11-24 09:26 | 2025-12-13 09:00 | 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-12/13/2025 <br> Ready for Review-Document Uploaded. Please see statement - Due Diligence Vendor-12/12/2025 <br> Counter-Total Verified Assets is $146,571.13 / xxxxxx xxxxxx $14,830.93 / xxxxxx xxxxxx $3,455.40 (savings) & $52,799.54 (checking) / xxxxxx xxxxxx $13,485.27 / 2 Gift Funds $22K & 40K (missing proof of donors funds or wire receipt from Closing agent) Total Cash to Close $158,800.68 / 2 months reserves required $5,559.26 / Short CTC by -$12,229.54 and Reserves by $5559.26 - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see assets - Due Diligence Vendor-12/01/2025 <br> Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $158800.68. No asset statements and or/supporting gift documentation is missing from file. Lender to verify sufficient liquid assets in the amount no less than $158800.68 - Due Diligence Vendor-11/24/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-12/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 851452_xxxxxx_asset.pdf<br> 851452_xxxxxx_new.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851452 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 16:30 | 2025-12-13 09:00 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/13/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Please see statement - Due Diligence Vendor-12/12/2025 <br> Open-Missing proof of available donors funds or wire receipt from Closing agent for Gift Funds iao $22K from a xxxxxx xxxxxx account from xxxxxx - Due Diligence Vendor-12/01/2025 |  | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 851452_xxxxxx_new.pdf<br> 851452_xxxxxx_wire.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851452 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 16:30 | 2025-12-13 09:00 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/13/2025 <br> Ready for Review-Document Uploaded. Please see statement - Due Diligence Vendor-12/12/2025 <br> Open-Missing proof of available donors funds or wire receipt from Closing agent for Gift Funds iao $40K from a xxxxxx xxxxxx account from xxxxxx - Due Diligence Vendor-12/01/2025 |  | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 851452_xxxxxx_wire.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851452 | xxxxxx | D A | Closed | xxxxxx | 2025-11-24 09:49 | 2025-12-01 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Addendum provided. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-12/01/2025 <br> Open-Incomplete or unexecuted Purchase Contract. Addendum to the contract executed and dated by all applicable parties lowering the sales price to xxxxxx is required - Due Diligence Vendor-11/24/2025 |  | Resolved-Purchase Addendum provided. - Due Diligence Vendor-12/01/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 851452_xxxxxx_ContractAddendum.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851452 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 19:20 | 2025-11-25 16:29 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved- - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. Please see ID card - Due Diligence Vendor-11/25/2025 <br>Open-Borrower is a permanent resident alien. ID card is missing from file to ensure expiration date meets guides and is valid - Due Diligence Vendor-11/22/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review851452_xxxxxx_11_25_2025_124131_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851474 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851495 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851679 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851685 | xxxxxx | B A | Closed | xxxxxx | 2025-11-23 03:00 | 2025-11-26 03:37 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Please see Underwriter Approval. <br> - Due Diligence Vendor-11/25/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/23/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/26/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 812 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 54.02% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 54.02% 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 - 17.17 Years Borrower At Current Residence For Five (5) Or More Years - 17.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 62.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review851685_xxxxxx_11_25_2025_34608_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851700 | xxxxxx | C A | Closed | xxxxxx | 2026-01-02 01:00 | 2026-01-07 15:23 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Please see attached Final 1003. - Due Diligence Vendor-01/07/2026 <br> Open-The Final 1003 is Not Executed Borrower signatures missing, document is not fully executed - Due Diligence Vendor-01/02/2026 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.57% Is Below The Guideline Maximum Of 80% 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrowers Sign is mIssing | 851700_xxxxxx_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851738 | xxxxxx | B A | Closed | xxxxxx | 2026-01-06 01:03 | 2026-01-07 15:24 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Please see approval - Due Diligence Vendor-01/07/2026 <br>Open-1008/Underwriting Summary Not Provided 1008 doc is missing in file - Due Diligence Vendor-01/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.49 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 851738_xxxxxx_Loan_#851738_LDL-Report_12-19-25.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851760 | xxxxxx | B A | Closed | xxxxxx | 2025-12-22 07:37 | 2025-12-24 13:53 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. Final UW approval - Due Diligence Vendor-12/24/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-12/22/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 175.47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 175.47 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 783 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 640 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 - 28.5 Years Borrower At Current Residence For Five (5) Or More Years - 28.5 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 851760_xxxxxx_851760_xxxxxx_Final_LDL_11.13.2025.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851782 | xxxxxx | C A | Closed | xxxxxx | 2026-01-12 12:17 | 2026-01-28 09:25 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received LOE - Due Diligence Vendor-01/28/2026 <br>Resolved- - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. Please see attached rebuttal - Due Diligence Vendor-01/27/2026 <br>Counter-\*\*Received missing disclosures and COCs. Updated compliance test resulted in new finding. The Final CD disclosed the Verification of Employment fee in Section B that was not part of the initial baseline. COC in the file indicates the COC reason as "Appraisal/Additional Valuation Product/Update Required" is not a valid reason in relation to the fee that was added. - Due Diligence Vendor-01/12/2026 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $49.26.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/12/2026 |  | Resolved-Received LOE - Due Diligence Vendor-01/28/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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>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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.65 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 660 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 Mor Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.64 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Post Closing Months' Reserves Are Greater Than The Guideline Minimum Months Reserves Of 61.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review851782_xxxxxx_1_26_2026_35744_PM.zip<br> 851782_xxxxxx_-_TRID_Tolerance_VOE_-_Rebuttal_Package.pdf | 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 |
| 851782 | xxxxxx | C A | Closed | xxxxxx | 2026-01-12 12:17 | 2026-01-28 09:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received LOE - Due Diligence Vendor-01/28/2026 <br>Resolved- - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. Please see attached rebuttal - Due Diligence Vendor-01/27/2026 <br>Counter-\*\*Received missing disclosures and COCs. Updated compliance test resulted in new finding. The Final CD disclosed the Verification of Employment fee in Section B that was not part of the initial baseline. COC in the file indicates the COC reason as "Appraisal/Additional Valuation Product/Update Required" is not a valid reason in relation to the fee that was added. - Due Diligence Vendor-01/12/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/12/2026 |  | Resolved-Received LOE - Due Diligence Vendor-01/28/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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>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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.65 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 660 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 Mor Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.64 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Post Closing Months' Reserves Are Greater Than The Guideline Minimum Months Reserves Of 61.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review851782_xxxxxx_1_26_2026_35641_PM.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 |
| 851782 | xxxxxx | C A | Closed | xxxxxx | 2026-01-12 12:17 | 2026-01-28 09:25 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received LOE - Due Diligence Vendor-01/28/2026 <br>Resolved- - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. Please see attached rebuttal - Due Diligence Vendor-01/27/2026 <br>Counter-\*\*Received missing disclosures and COCs. Updated compliance test resulted in new finding. The Final CD disclosed the Verification of Employment fee in Section B that was not part of the initial baseline. COC in the file indicates the COC reason as "Appraisal/Additional Valuation Product/Update Required" is not a valid reason in relation to the fee that was added. - Due Diligence Vendor-01/12/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/12/2026 |  | Resolved-Received LOE - Due Diligence Vendor-01/28/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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>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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.65 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 660 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 Mor Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.64 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Post Closing Months' Reserves Are Greater Than The Guideline Minimum Months Reserves Of 61.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review851782_xxxxxx_1_26_2026_35641_PM.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 |
| 851782 | xxxxxx | C A | Closed | xxxxxx | 2026-01-06 16:09 | 2026-01-21 12:34 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosures. Updated compliance testing yielded new findings. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Initial CD and interim CDs - Due Diligence Vendor-01/09/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial CD . ~~~~~~~~~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...<br> - Due Diligence Vendor-01/06/2026 |  | Resolved-\*\*Received missing disclosures. Updated compliance testing yielded new findings. - Due Diligence Vendor-01/12/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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>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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.65 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 660 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 Mor Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.64 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Post Closing Months' Reserves Are Greater Than The Guideline Minimum Months Reserves Of 61.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review851782_xxxxxx_1_8_2026_125431_PM.zip<br> 851782_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251128_130913.pdf<br> 851782_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251211_165354.pdf<br> 851782_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251128_150248.pdf | 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 |
| 851802 | xxxxxx | B A | Closed | xxxxxx | 2025-12-01 05:42 | 2025-12-02 14:21 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors Exception for cash out exceeding max allowed of $500,000 for FN borrowers. - Due Diligence Vendor-12/01/2025 |  | Waived-Client Exception granted with compensating factors Exception for cash out exceeding max allowed of $500,000 for FN borrowers. - Due Diligence Vendor-12/01/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 32.1% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 61.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 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 |
| 851813 | xxxxxx | D A | Closed | xxxxxx | 2026-02-15 11:23 | 2026-02-19 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement provided bwr is on the deed not on the Note. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. See attached LOE - Due Diligence Vendor-02/19/2026 <br> Open-Provide Property Insurance, and/or Homeowners Association for the REO Property is Located at xxxxxx. Taxes were provided in the file and 1003 reflects -$5,527.45 monthly rental income - Due Diligence Vendor-02/15/2026 |  | Resolved-Mortgage statement provided bwr is on the deed not on the Note. - Due Diligence Vendor-02/19/2026 | 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 - 14.05 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.05 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<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 Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 1.81% 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 17.89 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 17.89 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 - 14.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.05 Years |  | 851813_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 |
| 851813 | xxxxxx | D A | Closed | xxxxxx | 2026-02-15 08:19 | 2026-02-19 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. See attached bank stmt worksheet - Due Diligence Vendor-02/19/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/15/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/19/2026 | 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 - 14.05 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.05 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<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 Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 1.81% 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 17.89 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 17.89 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 - 14.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.05 Years |  | 851813_xxxxxx_income.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 |
| 851840 | xxxxxx | B A | Closed | xxxxxx | 2025-12-26 12:13 | 2025-12-31 12:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Underwriting approval - Due Diligence Vendor-12/31/2025 <br>Open-1008/Underwriting Summary Not Provided Please provide the 1008/Underwriting Summary competed by underwriting - Due Diligence Vendor-12/26/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/31/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 94.64 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 Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 32.47% 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 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 |  | 851840_xxxxxx_Loan_#851840_LDL-Report_12-11-25.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851866 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851904 | xxxxxx | D A | Closed | xxxxxx | 2025-12-10 01:30 | 2026-01-02 07:58 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. PUD Rider - Due Diligence Vendor-12/31/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-12/10/2025 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/02/2026 | 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 8.72 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review851904_xxxxxx_12_31_2025_125240_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851904 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 14:07 | 2026-01-02 07:58 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. CDA uploaded - Due Diligence Vendor-12/31/2025 <br>Open-The Collateral Underwriter Score exceeds 2.5. - Due Diligence Vendor-12/15/2025 |  | Resolved-desk review provided - Due Diligence Vendor-01/02/2026 | 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 8.72 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review851904_xxxxxx_12_31_2025_125240_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851925 | xxxxxx | B A | Closed | xxxxxx | 2026-01-27 15:51 | 2026-01-27 15:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Client Exception granted with compensating factors xxxxxx unit's square footage of xxxxxx is less than guideline min of 400<br> sq ft - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factors xxxxxx unit's square footage of xxxxxx is less than guideline min of 400<br> sq ft - Due Diligence Vendor-01/27/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.47 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 - 5.00 Years<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 711 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Low qualifying LTV - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | LTV/CLTV 5% 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 | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 851933 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851992 | xxxxxx | B A | Closed | xxxxxx | 2025-11-18 13:02 | 2025-11-21 14:13 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Underwriting approval - Due Diligence Vendor-11/21/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/18/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/21/2025 | 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 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.04% Is Below The Guideline Maximum Of 70% 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 - 9.25 Years |  | Full Review851992_xxxxxx_11_20_2025_53257_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852102 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852139 | xxxxxx | D A | Closed | xxxxxx | 2026-01-20 10:21 | 2026-01-21 10:35 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO provided - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. Please see attached CDA. - Due Diligence Vendor-01/21/2026 <br>Open- - Due Diligence Vendor-01/20/2026 |  | Resolved-BPO provided - Due Diligence Vendor-01/21/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 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 - 7.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 852139_xxxxxx_Broker_price_opinion_(BPO).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852197 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852220 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852225 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-10 06:44 | 2026-01-21 14:44 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-AVM provided. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see attached AVM. - Due Diligence Vendor-01/21/2026 <br> Counter-The CU 1.0 (UCDP/SSR) provided is dated 11.05.2025 however the Most recent CU 2.6 (UCDP/SSR) in the Loan file is dated 12.22.2025 - a 3rd party Valuation is required. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see both xxxxxx and xxxxxx SSR's attached. - Due Diligence Vendor-01/13/2026 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/13/2026 |  | Resolved-AVM provided. - Due Diligence Vendor-01/21/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 354.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 354.52 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 - 14.50 Years Borrower At Current Residence For Five (5) Or More Years - 14.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 852225_xxxxxx_852225_CU.pdf<br> 852225_xxxxxx_LCA_CU.pdf<br> 852225_xxxxxx_AVM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852225 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-13 11:33 | 2026-01-21 10:38 | 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-01/21/2026 <br> Ready for Review-Document Uploaded. Please see attached Entity documents. - Due Diligence Vendor-01/21/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN For entity xxxxxx, loan file is missing the Articles of organization/equivalent, Certificate of good standing, and evidence of EIN (if applicable). - Due Diligence Vendor-01/13/2026 |  | Resolved-Entity Documents provided. - Due Diligence Vendor-01/21/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 354.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 354.52 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 - 14.50 Years Borrower At Current Residence For Five (5) Or More Years - 14.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review852225_xxxxxx_1_20_2026_120700_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852228 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852235 | xxxxxx | C A | Closed | xxxxxx | 2025-11-19 09:33 | 2025-11-21 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | Foreclosure History does not meet guidelines | Resolved-Warranty deed, xxxxxx deed, Quitclaim deed and Property report supporting borrower's 50% ownership of the land was not seized upon and borrower xxxxxx was not a defendant in the July 2020 case - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. July 2006: Borrower (xxxxxx) purchased vacant land in xxxxxx, with co-owner is xxxxxx.<br>July 2020: Co-owner xxxxxx is involved in a lawsuit and ultimately loses that suit; the court orders levy on co-owner xxxxxx property to pay judgement debt. (xxxxxx/xxxxxx VS xxxxxx/xxxxxx.)<br>August 2024: xxxxxx deed shows 50% interest was sold to xxxxxx, Plaintiff of the 2020 case to satisfy the judgment debt. Borrower xxxxxx has retained his 50% as he is not a defendant in the case.<br>September 2025: Borrower xxxxxx deeds his left over 50% to individual xxxxxx via $0 consideration QCD.<br>Borrower xxxxxx 50% ownership of the land was not seized upon and borrower xxxxxx was not a defendant in the July 2020 case. Supporting documents attached. - Seller-11/20/2025 <br> Open-xxxxxx under doc pg #261 reflects a possible foreclosure against borrower. Property located at xxxxxx reflects borrower purchased subject as an "arms length transaction" on xxxxxx jointly with xxxxxx. Transaction history provided reflects the next transfer on property was xxxxxx by xxxxxx / xxxxxx Deed. Supporting documentation of when property was transferred to xxxxxx from borrower is required to ensure it is within the foreclosure guides or supporting documentation this subject was never owned by borrower (An LOX from borrower is unacceptable). This foreclosure appears to be a possible tax foreclosure - Due Diligence Vendor-11/19/2025 <br> Open-xxxxxx under doc pg #261 reflects a possible foreclosure against borrower. Property located at xxxxxx reflects borrower purchased subject as an "arms length transaction" on xxxxxx jointly with xxxxxx. Transaction history provided reflects the next transfer on property was xxxxxx by xxxxxx / xxxxxx. Supporting documentation of when property was transferred to xxxxxx from borrower is required to ensure it is within the foreclosure guides or supporting documentation this subject was never owned by borrower (An LOX from borrower is unacceptable). This foreclosure appears to be a possible tax foreclosure - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. July 2006: Borrower (xxxxxx) purchased vacant land in xxxxxx, with co-owner is xxxxxx.<br>July 2020: Co-owner xxxxxx is involved in a lawsuit and ultimately loses that suit; the court orders levy on co-owner xxxxxx property to pay judgement debt. (xxxxxx/xxxxxx VS xxxxxx/xxxxxx.)<br>August 2024: xxxxxx deed shows 50% interest was sold to xxxxxx, Plaintiff of the 2020 case to satisfy the judgment debt. Borrower xxxxxx has retained his 50% as he is not a defendant in the case.<br>September 2025: Borrower xxxxxx deeds his left over 50% to individual xxxxxx via $0 consideration QCD.<br>Borrower xxxxxx 50% ownership of the land was not seized upon and borrower xxxxxx was not a defendant in the July 2020 case. Supporting documents attached. - Seller-11/20/2025 | Resolved-Warranty deed, xxxxxx deed, Quitclaim deed and Property report supporting borrower's 50% ownership of the land was not seized upon and borrower xxxxxx was not a defendant in the July 2020 case - Due Diligence Vendor-11/21/2025 | 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 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 - 7.3 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.2 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852288 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852447 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852470 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852479 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 15:03 | 2025-12-08 14:24 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see 1008 - Due Diligence Vendor-12/08/2025 <br> Open-1008/Underwriting Summary Not Provided Provide the most recent and qualifying 1008/Underwriting Summary - Due Diligence Vendor-11/26/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 110.25 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 is Greater Than The Guideline Minimum Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review852479_xxxxxx_12_4_2025_124845_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852479 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 14:44 | 2025-12-08 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Questionnaire - Due Diligence Vendor-12/08/2025 <br> Open-HOA Questionnaire Document status is Missing. Provide the Condo Questionnaire for xxxxxx c/o xxxxxx) - Due Diligence Vendor-12/02/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 110.25 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 is Greater Than The Guideline Minimum Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 852479_xxxxxx_Questionnaire.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852479 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 14:49 | 2025-12-08 14:22 | 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-12/08/2025 <br>Ready for Review-Document Uploaded. MASTER POLICY - Due Diligence Vendor-12/08/2025 <br>Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-11/26/2025 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-12/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 110.25 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 is Greater Than The Guideline Minimum Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 852479_xxxxxx_MASTER_INSURANCE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852479 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 14:49 | 2025-12-08 14:22 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-12/08/2025 <br>Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name - Due Diligence Vendor-11/26/2025 |  | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-12/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 110.25 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 is Greater Than The Guideline Minimum Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852546 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852549 | 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 |  |  |  |
| 852552 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852556 | xxxxxx | D A | Closed | xxxxxx | 2026-02-16 15:33 | 2026-02-20 10:21 | 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-02/20/2026 <br>Ready for Review-Document Uploaded. 2/19/26 - please see attached UDM starting on page 19. - Due Diligence Vendor-02/19/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/16/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/20/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 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 24.65% 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 482.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 852556_xxxxxx_Fraud_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 |
| 852595 | xxxxxx | C A | Closed | xxxxxx | 2025-11-20 11:03 | 2025-12-18 15:43 | Resolved | 1 - Information C A | Credit | Insurance | Insurance Document(s) Do Not Meet Guideline Requirements | Resolved-Updated HOI provided. - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Please see attached HOI. - Buyer-12/18/2025 <br>Open-Insurance Document(s) Do Not Meet Guideline Requirements. Policy does include verbaige "It's Successors And/Or Assigns" in mortgagee clause. - Due Diligence Vendor-11/20/2025 |  | Resolved-Updated HOI provided. - Due Diligence Vendor-12/19/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 70% 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 - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 45.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx endt to add bank (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852675 | xxxxxx | B A | Closed | xxxxxx | 2026-02-02 23:38 | 2026-02-05 08:20 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please find the Approval uploaded. xxxxxx! - Due Diligence Vendor-02/04/2026 <br> Open-1008/Underwriting Summary Not Provided 1008/Underwriting Summary or Underwriting approval Not Provided - Due Diligence Vendor-02/03/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 695 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 695 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 116.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 116.35 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 - 15.00 Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | 852675_xxxxxx_Loan_#852675_LDL-Report_UPDATED_1-26-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852679 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 13:22 | 2025-12-18 09:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Letter of intent to rerecord mortgage with PUD and cover page of DOT sent to Recorders office provided. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. Letter of intent to rerecord mortgage with PUD - Due Diligence Vendor-12/16/2025 <br>Counter-Documentation required for resolution include: Corrected Security Instrument and riders executed by borrower, page 1 re-record declaration or cover sheet stating the reason for the re-record. Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. Letter of intent to rerecord mortgage with PUD - Due Diligence Vendor-12/15/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-11/20/2025 |  | Resolved-Letter of intent to rerecord mortgage with PUD and cover page of DOT sent to Recorders office provided. - Due Diligence Vendor-12/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 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 16.21 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review852679_xxxxxx_12_15_2025_14323_PM.zip<br> Full Review852679_xxxxxx_12_15_2025_14323_PM.zip<br> Full Review852679_xxxxxx_12_16_2025_13233_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852691 | xxxxxx | B A | Closed | xxxxxx | 2025-12-13 23:51 | 2025-12-19 12:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-12/18/2025 <br>Open-1008/Underwriting Summary Not Provided Final 1008 not provided in the file upload - Due Diligence Vendor-12/16/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/19/2025 | 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<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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.88 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review852691_xxxxxx_12_17_2025_114416_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852695 | xxxxxx | D A | Closed | xxxxxx | 2025-12-13 16:04 | 2025-12-30 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-OFAC search provided - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Third Party Fraud Report Partially Provided Missing OFAC search results for specific programs for xxxxxx borrowers as seen on page 37 of lender guidelines searching 3 programs xxxxxx. (4/21/2025 Matrix shows xxxxxx and individuals from OFAC sanctioned countries to be prohibited but 2/07/2025 guidelines have some allowances for xxxxxx) - Due Diligence Vendor-12/13/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025 | Resolved-OFAC search provided - Due Diligence Vendor-12/30/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Sanctions List Search - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852744 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852785 | xxxxxx | C A | Closed | xxxxxx | 2026-02-13 09:08 | 2026-02-22 09:54 | 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-02/22/2026 <br> Ready for Review-Document Uploaded. 2/17/26 - please see revised dated xxxxxx appraisal dated xxxxxx, showing appraised As Is. - Due Diligence Vendor-02/18/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present . Provide 100D showing the removal of the xxxxxx as seen on the appraisal made as subject to. - Due Diligence Vendor-02/16/2026 |  | 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-02/22/2026 | 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 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.71% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.58% 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 57.45 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 |  | Full Review852785_xxxxxx_2_17_2026_123430_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 |
| 852806 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852821 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-07 13:14 | 2026-01-13 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-COMMISSION DISBURSEMENT Documents & 11 Months Bank statements provided - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-01/09/2026 <br> Open-YTD Documentation to support continued receipt of income from same source is missing. xxxxxx is a xxxxxx and income used is 2023-2024 IRS 1099 - Due Diligence Vendor-01/07/2026 |  | Resolved-COMMISSION DISBURSEMENT Documents & 11 Months Bank statements provided - Due Diligence Vendor-01/12/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 26.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 26.62% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 852821_xxxxxx_56044284.pdf<br> 852821_xxxxxx_55891008.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 |
| 852821 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-07 00:40 | 2026-01-13 13:43 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing CDs and COCs. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Initial CD and interim CDs - Due Diligence Vendor-01/09/2026 <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-01/07/2026 |  | Resolved-\*\*Received missing CDs and COCs. - Due Diligence Vendor-01/12/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 26.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 26.62% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Full Review852821_xxxxxx_1_8_2026_25104_PM.zip<br> 852821_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251117_201443.pdf<br> 852821_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251113_182339.pdf<br> 852821_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251215_100902.pdf<br> 852821_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251114_171122.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 |
| 852828 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852887 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 852895 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852905 | xxxxxx | D A | Closed | xxxxxx | 2025-12-10 13:22 | 2025-12-19 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Please see CD - Due Diligence Vendor-12/18/2025 <br> Open-Asset 2 Missing . Provide final executed and/or certified closing statement to confirm cash back from the cash out refi for property located at xxxxxx for $63,357.64. CD provided is not signed by the borrower or certified by the closing agent. - Due Diligence Vendor-12/10/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/19/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years |  | Full Review852905_xxxxxx_12_17_2025_40715_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852956 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853101 | xxxxxx | C A | Closed | xxxxxx | 2025-12-03 10:46 | 2025-12-18 22:17 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: File # is missing | Resolved-Final signed CD provided - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Please provide more specific detail on on what you are looking for if this is incorrect. - Seller-12/17/2025 <br> Ready for Review-Attached are the 2 documents that need to be signed by the borrower. This is the purchase of an investment property. I do not see a page 6 on either document required to be executed. - Seller-12/17/2025 <br> Counter-The condition is for the Final CD Page 6 / Signature page that is executed and dated by borrower/LLC is missing from file - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Page 6 / Signature page that is executed and dated by borrower/LLC is missing from file - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Please provide more specific detail on on what you are looking for if this is incorrect. - Seller-12/17/2025 <br> Ready for Review-Attached are the 2 documents that need to be signed by the borrower. This is the purchase of an investment property. I do not see a page 6 on either document required to be executed. - Seller-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 | Resolved-Final signed CD provided - Due Diligence Vendor-12/19/2025 |  |  | xxxxxx (2).pdf<br> Final signed CD - xxxxxx.pdf<br> Final signed CD - xxxxxx.pdf<br> LLC documents - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853110 | xxxxxx | C A | Closed | xxxxxx | 2025-11-24 01:40 | 2025-12-02 16:32 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. page 530 is a letter from the homeowner - I have attached it again - this condition should have been cleared. xxxxxx :-) - Seller-12/02/2025 <br> Counter-Document Uploaded. Per DSCR guidelines: NO HOUSING HISTORY OR LESS THAN 12 MONTHS VERIFIED - A "rent free" letter of explanation "from the homeowner" is required. The Rent free letter in the loan file is from the Borrower and needs to be from the Homeowner. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Challenge condition - There is nothing in our main guidelines or xxxxxx guideline that states this is required. Please refer to our main guidelines, page 62 8.7.5 DSCR HOUSING HISTORY - No Housing History or Less Than 12 Months Verified at the bottom of the page. - Seller-12/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements A copy of rent free letter was located in the file. Management review and exception are required for all DSCR loans when a living rent free explanation letter is provided in place of rental or mortgage payment history. Exception was not located in the file. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. page 530 is a letter from the homeowner - I have attached it again - this condition should have been cleared. xxxxxx :-) - Seller-12/02/2025 <br> Ready for Review-Challenge condition - There is nothing in our main guidelines or xxxxxx guideline that states this is required. Please refer to our main guidelines, page 62 8.7.5 DSCR HOUSING HISTORY - No Housing History or Less Than 12 Months Verified at the bottom of the page. - Seller-12/01/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 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 226.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Screenshot 2025-12-01 114102.jpg<br> Screenshot 2025-12-01 114228.jpg<br> rent free letter.pdf<br> rent free letter.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853139 | xxxxxx | B A | Closed | xxxxxx | 2025-11-22 17:39 | 2025-11-22 17:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors Housing History Does Not Meet Guideline Requirements No primary housing, living rent free.<br> - Due Diligence Vendor-11/22/2025 |  | Waived-Client Exception granted with compensating factors Housing History Does Not Meet Guideline Requirements No primary housing, living rent free.<br> - Due Diligence Vendor-11/22/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 732 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 69.88 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 69.88 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. Credit Score 30+ points > minimum required<br> 2. 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 |
| 853305 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 13:39 | 2026-01-05 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Please see the Personal Guar for both xxxxxx and xxxxxx. xxxxxx! - Due Diligence Vendor-01/04/2026 <br> Counter-Document Uploaded. The Personal guaranty should be executed / dated from xxxxxx and xxxxxx and not the Business name. Members/managers on the application must sign the guaranty as an individual. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached Personal Guaranty for xxxxxx. - Due Diligence Vendor-12/30/2025 <br> Open-Personal Guaranty is missing. Per lender guides under pg #213 specifically states ". Members/managers on the application must sign the guaranty as an individual." Provide executed / dated personal guaranty from xxxxxx and xxxxxx - Due Diligence Vendor-12/05/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/05/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 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 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 35.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 853305_xxxxxx_-_Per_Guar_xxxxxx.pdf<br> Screenshot 2025-12-30 134218.jpg<br> 853305_xxxxxx_-_xxxxxx_Guaranty.pdf<br> 853305_xxxxxx_-_xxxxxx_Guaranty.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853313 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853332 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 19:16 | 2025-11-28 14:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-11/28/2025 <br>Ready for Review-Document Uploaded. Note attached - Buyer-11/24/2025 <br>Open-The Note is Missing. - Due Diligence Vendor-11/21/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-11/28/2025 | 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 680 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 - 5.33 Years | The Note is Missing | Fixed Rate Interest Only Note xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853352 | xxxxxx | C A | Closed | xxxxxx | 2025-12-29 14:44 | 2026-01-02 08:03 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. See attached previous insurance - Due Diligence Vendor-12/31/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Hazzard effective date of xxxxxx is after note date xxxxxx. - Due Diligence Vendor-12/29/2025 |  | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/02/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.41 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 - 16.58 Years<br>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 |  | 853345_xxxxxx_Homeownership_Disclosure.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853458 | xxxxxx | D A | Closed | xxxxxx | 2026-01-23 07:19 | 2026-01-28 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-HOI policy provided for xxxxxx. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see HOI - Due Diligence Vendor-01/28/2026 <br> Open-Missing HOI policy for departure residence being converted to an investment xxxxxx - Due Diligence Vendor-01/23/2026 |  | Resolved-HOI policy provided for xxxxxx. - Due Diligence Vendor-01/28/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 10.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - 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> 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.55 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 11.25 Years |  | 853458_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 |
| 853467 | xxxxxx | C A | Closed | xxxxxx | 2025-12-19 08:24 | 2026-01-12 08:15 | Resolved | 1 - Information C A | Compliance | Closing Package | Note Date is After First Payment Date | Resolved-Note Date of xxxxxx is prior or equal to the First Payment Date of xxxxxx - Due Diligence Vendor-01/12/2026 <br> Resolved-Corrected and Signed Note provided - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see the Uploaded corrected Note. xxxxxx! - Due Diligence Vendor-01/09/2026 <br> Open-Note Date of xxxxxx is greater than the First Payment Date of xxxxxx Note shows first payment date xxxxxx - Due Diligence Vendor-12/19/2025 |  | Resolved-Note Date of xxxxxx is prior or equal to the First Payment Date of xxxxxx - Due Diligence Vendor-01/12/2026 <br> Resolved-Corrected and Signed Note provided - Due Diligence Vendor-01/12/2026 |  |  | 853467_xxxxxx_Note-corrected.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853491 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853506 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853521 | xxxxxx | B A | Closed | xxxxxx | 2025-12-08 05:28 | 2025-12-13 10:26 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/13/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008. - Due Diligence Vendor-12/12/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/08/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 16.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review853521_xxxxxx_12_11_2025_12704_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853660 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853661 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853677 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853694 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853772 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853782 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853784 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853800 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853813 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853818 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 12:45 | 2026-01-07 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. See statements - Due Diligence Vendor-01/06/2026 <br> Open-Asset 3 Missing Final 1003 reflects xxxxxx account xxxxxx with ending balance $457,480.36 , however supporting documents are missing - Due Diligence Vendor-12/23/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-01/07/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 176.09 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 - 7.67 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 853818_xxxxxx_Statement_Oct_2025.pdf<br> 853818_xxxxxx_Statement_Sep_2025.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853843 | 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 |  |  |  |
| 853844 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853845 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-08 18:26 | 2026-03-25 09:39 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Client Exception granted with compensating factors to allow appraisal written as is. Appraiser provided documentation supporting ability to be rebuilt if provided zoning criteria is met. - Due Diligence Vendor-03/25/2026 <br> Waived-Client Exception granted with compensating factors Appraiser didn't specifically state the property can be rebuilt under current grandfathered zoning. - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow appraisal written as is. Appraiser provided documentation supporting ability to be rebuilt. - Due Diligence Vendor-03/25/2026 <br> Waived-Client Exception granted with compensating factors Appraiser didn't specifically state the property can be rebuilt. - Due Diligence Vendor-03/25/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 16.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | - DSCR > 1.15 - Reserves exceed requirement by 10 months or more<br> - DSCR > 1.15 - Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 853845 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 09:28 | 2026-03-25 09:30 | Waived | 2 - Non-Material C B | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Waived-Client Exception granted with compensating factors to allow 1007 with missing comp addresses. Comp properties have the identifier from xxxxxx/3rd party reports to validate property characteristics. - Due Diligence Vendor-03/25/2026 <br>Open-Appraisal is missing addresses on 1007 for rental comps - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow 1007 with missing comp addresses. Comp properties have the identifier from xxxxxx/3rd party reports to validate property characteristics. - Due Diligence Vendor-03/25/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 16.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | - DSCR > 1.15 - Reserves exceed requirement by 10 months or more<br> - DSCR > 1.15 - Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 853845 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-08 18:24 | 2026-01-08 18:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 75% exceeds Guideline LTV of 70% We are requesting an exception for 75% LTV on a cash out refinance on a short term rental property. The loan started as a rate and term refinance and has been changed to a cash out refinance. I have updated xxxxxx and requested an update to the lock. - Due Diligence Vendor-01/08/2026 |  | Waived-Client Exception granted with compensating factors Audited LTV of 75% exceeds Guideline LTV of 70% We are requesting an exception for 75% LTV on a cash out refinance on a short term rental property. The loan started as a rate and term refinance and has been changed to a cash out refinance. I have updated xxxxxx and requested an update to the lock. - Due Diligence Vendor-01/08/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 16.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | - DSCR > 1.15 - Reserves exceed requirement by 10 months or more<br> - DSCR > 1.15 - Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 853865 | xxxxxx | B A | Closed | xxxxxx | 2026-01-20 01:44 | 2026-01-22 11:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with compensating factors Primary Value Valuation Neighborhood Location Not Allowed for Program Rural max 75% xxxxxx acres. xxxxxx exception in file pg294 for land >5 acres - Due Diligence Vendor-01/20/2026 |  | Waived-Client Exception granted with compensating factors Primary Value Valuation Neighborhood Location Not Allowed for Program Rural max 75% xxxxxx acres. xxxxxx exception in file pg294 for land >5 acres - Due Diligence Vendor-01/20/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853872 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853903 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853918 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853923 | xxxxxx | B A | Closed | xxxxxx | 2025-12-03 19:37 | 2025-12-03 19:37 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client Exception granted with compensating factors DSCR score under 1 guideline requirement is over 1 - Due Diligence Vendor-12/04/2025 |  | Waived-Client Exception granted with compensating factors DSCR score under 1 guideline requirement is over 1 - Due Diligence Vendor-12/04/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Property Equity - Subject property has xxxxxx in additional equity not accounted for in qualifying LTV. LTV is based on sales price of xxxxxx and appraisal evidences value of xxxxxx supported by a valid secondary valuation. | xxxxxx Cashouts allowed on an exception basis I DSCR 01 xxxxxx allowed as exception <br> DSCR P1 Cash outs allowed as exception I DSCR 01 with FICO 720 allowed es exception |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853950 | xxxxxx | B A | Closed | xxxxxx | 2025-11-17 06:55 | 2025-11-17 06:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with compensating factors Audited FICO of 653 is less than Guideline FICO of 660 653 fico does not meet the minimum requirement of 660 for C/O refi. - Due Diligence Vendor-11/17/2025 |  | Waived-Client Exception granted with compensating factors Audited FICO of 653 is less than Guideline FICO of 660 653 fico does not meet the minimum requirement of 660 for C/O refi. - Due Diligence Vendor-11/17/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.31 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | Current LTV less 15% less than max allowed<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 | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 853960 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-25 12:59 | 2026-03-25 13:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow entity without stated purpose to manage residential real estate. - Due Diligence Vendor-03/25/2026 <br>Open-Vested entity articles do not state the business purpose is to own and manage residential real estate properties. Guidelines require this to be a stated business purpose. - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow entity without stated purpose to manage residential real estate. - Due Diligence Vendor-03/25/2026 | 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 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 131.37 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 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | Subject property home ownership > 10 years<br> Credit Score 30+ points > minimum required<br>|  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 853960 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-26 11:05 | 2026-02-05 08:25 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved- - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. 2/4/26 - Lender response: xxxxxx is a xxxxxx state, borrower signed the estimated Refinance statement at closing. Final would be produced after signing. Please see attached. - Due Diligence Vendor-02/04/2026 <br> Open-. Provide final settlement statement for the subject property transaction. At the time of review only the estimated statement was provided. - Due Diligence Vendor-01/26/2026 |  |  | 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 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 131.37 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 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 853960_xxxxxx_Settlement_stmt_signed_at_closing_dry_state.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853960 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-21 05:50 | 2026-02-05 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. 2/4/26 - See final Title Policy. Manually uploaded thru xxxxxx. - Buyer-02/04/2026 <br> Counter-Missing Title supplement reflecting the correct Title coverage of xxxxxx - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-01/28/2026 <br> Open-Title Document is missing . Provide subject property title, all schedules and complete chain of history. Subject to review and additional conditions. - Due Diligence Vendor-01/21/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-02/05/2026 | 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 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 131.37 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 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 853960_xxxxxx_title_Documents.pdf<br> xxxxxx Final Title Policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853960 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-21 06:21 | 2026-01-28 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Received checks, need VOR document - Due Diligence Vendor-01/28/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower is currently residing at xxxxxx, as a tenant; however, the Verification of Rent (VOR) document is missing. - Due Diligence Vendor-01/26/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/28/2026 | 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 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 131.37 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 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 853960_xxxxxx_xxxxxx_VOR.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853982 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 08:36 | 2025-12-22 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. See attached updated 1008 and 1003 removing the account. - Due Diligence Vendor-12/22/2025 <br> Open-Asset 3 Missing xxxxxx $21,521.33 missing<br> - Due Diligence Vendor-12/16/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 286.17 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 758 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 - 14.58 Years |  | 853982_xxxxxx_updated_1003_and_1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853992 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854016 | xxxxxx | B A | Closed | xxxxxx | 2025-12-16 01:28 | 2025-12-22 11:33 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008. - Due Diligence Vendor-12/22/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-12/16/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.76 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 - 7 Years |  | Full Review854016_xxxxxx_12_18_2025_103944_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854021 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854090 | xxxxxx | B A | Closed | xxxxxx | 2026-01-05 22:54 | 2026-01-07 13:51 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. See UW approval - Due Diligence Vendor-01/06/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 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 44.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 854090_xxxxxx_854090_Final_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854100 | xxxxxx | B A | Closed | xxxxxx | 2026-01-16 19:55 | 2026-02-02 12:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved- - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/02/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/17/2026 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.51 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 CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original LTV Of 55.37% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | ILS 1 6 2025 (1) (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854118 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854119 | xxxxxx | B A | Closed | xxxxxx | 2026-01-08 10:21 | 2026-01-10 14:13 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. See UW approval - Due Diligence Vendor-01/09/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/08/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026 | 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 |  | 854119_xxxxxx_854119_xxxxxx_Final_LDL_12.24.2025.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854130 | xxxxxx | C A | Closed | xxxxxx | 2026-02-04 07:00 | 2026-02-09 12:19 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received ICD - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. initial cd - Due Diligence Vendor-02/06/2026 <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-02/05/2026 |  | Resolved-Received ICD - Due Diligence Vendor-02/09/2026 |  |  | Full Review854130_xxxxxx_xxxxxx_2_6_2026_30404_PM.zip<br> 854130_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260108_134447.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 |
| 854141 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854181 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854187 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 00:10 | 2025-12-23 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-all 3 borrowers are Foreign nationals per Guidelines: 1.3.2.3 xxxxxx SPECIFIC DOCUMENTATION REQUIREMENTS - Documentation is required, as follows: Primary Residence in A Foreign Country: Copy of the borrowers valid and unexpired passport <br> - Due Diligence Vendor-12/23/2025 <br> Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1, Borrower 2, & Borrower 3 Citizenship Documentation Is Missing - Due Diligence Vendor-12/16/2025 |  | Resolved-all 3 borrowers are Foreign nationals per Guidelines: 1.3.2.3 xxxxxx SPECIFIC DOCUMENTATION REQUIREMENTS - Documentation is required, as follows: Primary Residence in A Foreign Country: Copy of the borrowers valid and unexpired passport <br> - Due Diligence Vendor-12/23/2025 <br> Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/23/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | passports.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854191 | xxxxxx | D A | Closed | xxxxxx | 2025-12-19 13:08 | 2025-12-24 08:17 | 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-12/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/23/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/19/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 132.71 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 792 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 |  | xxxxxx Deed of Trust.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854256 | xxxxxx | D A | Closed | xxxxxx | 2025-12-19 14:30 | 2025-12-23 07:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. see pages 708 - 712 of the Loan 854256 / xxxxxx Signed Loan Pkg.pdf. Reuploaded requested docs as well. - Due Diligence Vendor-12/22/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN . Provide Entity articles of organization or partnership (or equivalent) and Evidence of good standing for the state in which the entity was formed for xxxxxx as they were not provided at the time of review. - Due Diligence Vendor-12/19/2025 |  | Resolved-Entity documents provided - Due Diligence Vendor-12/23/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 640 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 - 14.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.26 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 854256_xxxxxx_708_-_712.pdf<br> 854256_xxxxxx_Articles_of_Organization-_xxxxxx.pdf<br> 854256_xxxxxx_Certificate_of_Good_Standing-_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854270 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854330 | xxxxxx | D A | Closed | xxxxxx | 2026-01-15 23:36 | 2026-01-22 07:24 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached 1003 / URLA. - Due Diligence Vendor-01/22/2026 <br>Open-The Final 1003 is Incomplete . Provide page 10 of 16 from the final 1003 executed at closing. Said page is the co-borrowers first page of the application. - Due Diligence Vendor-01/16/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/22/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 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 - 10.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 854330_xxxxxx_20260121141834256_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854332 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 07:56 | 2025-12-09 10:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.69 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. 12/4/25 - please see Funds to close document attached. - Due Diligence Vendor-12/08/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 2 Missing evidence of sufficient funds to close and reserves. Nothing noted on 1003 if other assets available, bank statements hint at xxxxxx Brokerage account. - Due Diligence Vendor-12/01/2025 |  | Resolved-Audited Reserves of 4.69 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/09/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review854332_xxxxxx_12_4_2025_62417_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854332 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 07:34 | 2025-12-09 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. 12/4/25 - Lender response: The insurance shows flood coverage on the bottom of page 1. Please review. - Due Diligence Vendor-12/08/2025 <br> Open-Missing Flood Insurance Policy Or documentation showing flood insurance is not required such as elevation cert and FEMA waiver. Existing LOMA prequal says unlikely. - Due Diligence Vendor-12/01/2025 |  | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/09/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review854332_xxxxxx_12_4_2025_61357_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854332 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 07:47 | 2025-12-09 09:58 | 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-12/09/2025 <br> Ready for Review-Document Uploaded. 12/4/25 - please see Funds to close document attached. - Due Diligence Vendor-12/08/2025 <br> Open-Total Liquid Assets Available for Close of $60041.45 is less than Total Cash to Close $64832.8. - Due Diligence Vendor-12/01/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-12/09/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review854332_xxxxxx_12_4_2025_63928_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854342 | xxxxxx | D A | Closed | xxxxxx | 2025-12-12 17:07 | 2025-12-22 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-12/22/2025 <br> Open-Title Document is missing no final title policy on file from xxxxxx Title for our subject property, only invoice and related disclosures - Due Diligence Vendor-12/12/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-12/22/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 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 - 6.25 Years |  | Full Review854342_xxxxxx_12_18_2025_13940_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854344 | xxxxxx | B A | Closed | xxxxxx | 2026-01-12 00:22 | 2026-01-15 15:39 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-01/14/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/12/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.8 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 - 28.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.37% 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 722 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review854344_xxxxxx_1_14_2026_113748_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854347 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854363 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 10:16 | 2025-12-17 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. see attached - Seller-12/16/2025 <br>Counter-Missing Cash out letter for the intended use of cash back to the borrower at closing as this is an investment property cash out refi. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. 1008 attached - Seller-12/15/2025 <br>Open-. Provide letter of explication from the borrower for the intended use of cash back to the borrower at closing as this is an investment property cash out refi. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. see attached - Seller-12/16/2025 <br> Ready for Review-Document Uploaded. 1008 attached - Seller-12/15/2025 | Resolved-Cash out letter provided - Due Diligence Vendor-12/17/2025 | 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<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% 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 - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.71 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 1008.pdf<br>LOX Cash out.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854363 | xxxxxx | D A | Closed | xxxxxx | 2025-12-12 05:31 | 2025-12-16 11:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. attached the 1008 to the wrong condition. Attached please find the Business purpose and 1008 - Seller-12/15/2025 <br>Open-1008/Underwriting Summary Not Provided . Provide 1008 for the subject property transaction or a DSCR calculation worksheet to show terms as approved. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. attached the 1008 to the wrong condition. Attached please find the Business purpose and 1008 - Seller-12/15/2025 | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/16/2025 | 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<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% 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 - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.71 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 |
| 854367 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854449 | xxxxxx | C A | Closed | xxxxxx | 2026-01-23 05:42 | 2026-01-28 14:32 | 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-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Open-Total Liquid Assets Available for Close of $150930.21 is less than Total Cash to Close $239009.52. Provide proof of missing asset documentation to support checking account at xxxxxx balance $38,306.34, Also provide additional assets needed additional $88,079.31 short to close- Total Liquid Assets Available for Close of $150,930.21 is less than Total Cash to Close $239009.52. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026 | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/28/2026 | Borrower At Current Residence For Five (5) Or More Years - <br> Borrower At Current Residence For Five (5) Or More Years - 30 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - <br> Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | assets used to close the loan - xxxxxx.pdf<br> Revised 1008 and 1003 with correct assets.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854482 | xxxxxx | D A | Closed | xxxxxx | 2025-12-24 13:41 | 2026-02-03 07:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-EIN provided - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. 2/2/26 - please see EIN attached. Manually uploaded in xxxxxx to avoid delays. - Buyer-02/02/2026 <br> Counter-Missing the IRS EIN Document to verify the EIN belongs to the Business entity - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. 1/7/26 - Lender response: Please see the attached EIN confirmation we received from the borrower. - Due Diligence Vendor-01/09/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide missing IRS EIN document for subject property signed under - Home Loan xxxxxx - Due Diligence Vendor-12/24/2025 |  | Resolved-EIN provided - Due Diligence Vendor-02/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.01 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 - 5.66 Years |  | 854482_xxxxxx_-_EIN.pdf<br> xxxxxx EIN Verification.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854490 | xxxxxx | C A | Closed | xxxxxx | 2026-01-23 13:24 | 2026-02-03 09:54 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-per lender website --- closed xxxxxx, day after xxxxxx, Sat & Sunday https://www.xxxxxx/xxxxxx-lender-alerts - Due Diligence Vendor-02/03/2026 <br> Ready for Review- - Due Diligence Vendor-02/03/2026 <br> Resolved- - Due Diligence Vendor-02/03/2026 <br> Open- - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Locked LE xxxxxx is correctly disclosed within 3 business days of rate lock date xxxxxx.<br> Please be informed that 11/27/2025 & 11/28/2025 were federal holidays and 11/29/2025 & 11/30/2025 was the weekend so the last day to disclose LE was xxxxxx, hence there is no issue. - Due Diligence Vendor-02/03/2026 <br> Counter-\*\*Received same copy of revised LE issued xxxxxx. The revised LE issued xxxxxx was issued more than 3 business days from the rate lock date of xxxxxx. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please find attached LE dated xxxxxx disclosed at lock to the borrower. - Due Diligence Vendor-01/28/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. . \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Lock date of xxxxxx is prior to the Application date of xxxxxx. Initial Loan Estimate issued xxxxxx, indicates the Loan Lock and "No". Please provide and documentation or explanation for this discrepancy, which may result in additional Findings. - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 |  | Resolved-per lender website --- closed xxxxxx, day after xxxxxx, Sat & Sunday https://www.xxxxxx/xxxxxx-lender-alerts - Due Diligence Vendor-02/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 39.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.73% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 69.73% 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 31.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review854490_xxxxxx_1_27_2026_61710_PM.zip<br> 854490_xxxxxx_LE_dated_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 |
| 854530 | 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 |  |  |  |
| 854541 | xxxxxx | B A | Closed | xxxxxx | 2025-12-29 03:46 | 2025-12-30 09:57 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Client Exception granted with compensating factors Lender exception for the property having 2 unpermitted conversion areas. 1) xxxxxx 2) xxxxxx; per the appraiser, both conversions were completed in a workmanlike manor and no additional value has been included. Valuation is based on original structure. Conversions do not violate zoning.<br> - Due Diligence Vendor-12/29/2025 |  | Waived-Client Exception granted with compensating factors Lender exception for the property having 2 unpermitted conversion areas. 1) xxxxxx 2) xxxxxx; per the appraiser, both conversions were completed in a workmanlike manor and no additional value has been included. Valuation is based on original structure. Conversions do not violate zoning.<br> - Due Diligence Vendor-12/29/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.71% 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 - 6.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | DSCR > 1.15<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 |
| 854589 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 06:05 | 2025-12-24 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 8.62 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. uploaded a copy of the bwrs xxxxxx stmt for account xxxxxx showing the receipt of the 71k That was withdrawn from her xxxxxx xxxxxx on 12/3/25. The bwr received funds in the xxxxxx checking account xxxxxx and then transferred the funds internally on 12/4/25 to her xxxxxx savings account xxxxxx where the funds to close was wired from - Due Diligence Vendor-12/24/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 2 . Loan is short cash to close leaving none remaining for reserves. - Due Diligence Vendor-12/17/2025 |  | Resolved-Audited Reserves of 8.62 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.62 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 696 is Greater Than The Guideline Minimum Of 640 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 Years |  | 854589_xxxxxx_Closing_Wire_receipt.pdf<br> 854589_xxxxxx_-_Proof_of_recept_of_71k_transfer_from_Citizens.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854589 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 05:52 | 2025-12-24 14:23 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-proof of withdrawal of $71K provided. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-uploaded a copy of the bwrs xxxxxx stmt for account xxxxxx showing the receipt of the 71k That was withdrawn from her xxxxxx xxxxxx on 12/3/25. The bwr received funds in the xxxxxx checking account xxxxxx and then transferred the funds internally on 12/4/25 to her xxxxxx savings account xxxxxx where the funds to close was wired from - Due Diligence Vendor-12/24/2025 <br> Open-Total Liquid Assets Available for Close of $54065.75 is less than Total Cash to Close $124357.13. . Final 1003 reflects xxxxxx xxxxxx with a balance of $100,100 however a wire was sent out of the account on 12/3/2025 for $71,000 lowering the balance to $4,057.51. No documentation to show if the funds remained in the borrowers possession with a different account or if it was wired to the closing agent prior to closing causing a shortage. - Due Diligence Vendor-12/17/2025 |  | Resolved-proof of withdrawal of $71K provided. - Due Diligence Vendor-12/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.62 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 696 is Greater Than The Guideline Minimum Of 640 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 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854589 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 04:55 | 2025-12-22 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Contract Uploaded - Due Diligence Vendor-12/22/2025 <br> Open-Purchase Contract Is Missing . Provide sales contract for the subject property address xxxxxx to support purchase price of xxxxxx as seen on the final CD, all executed pages, and addendums, if applicable. - Due Diligence Vendor-12/16/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-12/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.62 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 696 is Greater Than The Guideline Minimum Of 640 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 Years |  | Full Review854589_xxxxxx_12_18_2025_93809_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854605 | xxxxxx | B A | Closed | xxxxxx | 2025-12-12 08:55 | 2025-12-17 14:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. 12/15/25 - please see CLA - Due Diligence Vendor-12/16/2025 <br>Open-1008/Underwriting Summary Not Provided 1008 is missing in the file. - Due Diligence Vendor-12/12/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/17/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review854605_xxxxxx_12_15_2025_43343_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854616 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-26 11:38 | 2026-02-23 16:01 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Fees paid to xxxxxx excluded per Non-Affiliate attestation provided - Due Diligence Vendor-02/23/2026 <br> Ready for Review- - Due Diligence Vendor-02/23/2026 <br> Resolved- - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached rebuttal - Buyer-02/23/2026 <br> Counter-\*\*Received Initial and Revised CDs. Updated compliance testing results in fail of the High Cost testing due to total of Points and Fees exceeding the threshold. In review of the lender's Loan Detail Report, it appears the lender excluded certain fees paid to the lender's affiliate from their total of Points and Fees. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <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-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-Fees paid to xxxxxx excluded per Non-Affiliate attestation provided - Due Diligence Vendor-02/23/2026 | 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 - 21.14 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 - 21.00 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 - 21.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.25 Are Greater Than The Guideline Minimum Of 3 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 - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx invoice826253.pdf<br> Affiliate testing rebuttal.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 |
| 854616 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-26 11:38 | 2026-02-23 16:01 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Fees paid to xxxxxx excluded per Non-Affiliate attestation provided - Due Diligence Vendor-02/23/2026 <br> Counter- - Due Diligence Vendor-02/23/2026 <br> Counter- - Due Diligence Vendor-02/23/2026 <br> Counter-\*\*Received Initial and Revised CDs. Updated compliance testing results in fail of the High Cost testing due to total of Points and Fees exceeding the threshold. In review of the lender's Loan Detail Report, it appears the lender excluded certain fees paid to the lender's affiliate from their total of Points and Fees. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <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 chattel 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 xxxxxx.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-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-Fees xxxxxx excluded per Non-Affiliate attestation provided - Due Diligence Vendor-02/23/2026 | 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 - 21.14 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 - 21.00 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 - 21.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.25 Are Greater Than The Guideline Minimum Of 3 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 - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.34% 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854616 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-26 11:38 | 2026-02-23 16:01 | Resolved | 1 - Information C A | Compliance | State Reg | CA Prohibited Fees Test | Resolved-Fees xxxxxx excluded per Non-Affiliate attestation provided - Due Diligence Vendor-02/23/2026 <br> Counter- - Due Diligence Vendor-02/23/2026 <br> Counter- - Due Diligence Vendor-02/23/2026 <br> Counter-\*\*Received Initial and Revised CDs. Updated compliance testing results in fail of the High Cost testing due to total of Points and Fees exceeding the threshold. In review of the lender's Loan Detail Report, it appears the lender excluded certain fees paid to the lender's affiliate from their total of Points and Fees. - Due Diligence Vendor-02/04/2026 <br> Rescinded-\*\*N/A - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open-This loan failed the prohibited fees test.The loan charges a prohibited fee based on one or more the following findings:The loan charged more than one appraisal fee. (xxxxxx Fin. Code §22317)The loan charged more than one automated valuation model fee or both an appraisal fee and an automated valuation model fee. (xxxxxx Fin. Code §22317.2)The lender collected an "unreasonable" escrow or escrow related fee. The fee shall be considered "reasonable" when paid to a person licensed or exempt under the Escrow Law (xxxxxx Fin. Code §17000). (xxxxxx Fin. Code §22318)The lender retained any statutory fees to be paid to a public officer. (10 CCR §1457)The lender retained the notary fee. (10 CCR §1458) - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-Fees xxxxxx excluded per Non-Affiliate attestation provided - Due Diligence Vendor-02/23/2026 <br> Rescinded-\*\*N/A - Due Diligence Vendor-02/04/2026 | 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 - 21.14 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 - 21.00 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 - 21.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.25 Are Greater Than The Guideline Minimum Of 3 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 - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.34% 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854616 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-26 11:38 | 2026-02-23 16:01 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Fees xxxxxx excluded per Non-Affiliate attestation provided - Due Diligence Vendor-02/23/2026 <br> Counter- - Due Diligence Vendor-02/23/2026 <br> Counter- - Due Diligence Vendor-02/23/2026 <br> Counter-\*\*Received Initial and Revised CDs. Updated compliance testing results in fail of the High Cost testing due to total of Points and Fees exceeding the threshold. In review of the lender's Loan Detail Report, it appears the lender excluded certain fees paid to the lender's affiliate from their total of Points and Fees. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open-This loan failed the 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. - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-Fees xxxxxx excluded per Non-Affiliate attestation provided - Due Diligence Vendor-02/23/2026 | 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 - 21.14 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 - 21.00 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 - 21.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.25 Are Greater Than The Guideline Minimum Of 3 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 - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.34% 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854616 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-26 11:38 | 2026-02-23 16:01 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Fees xxxxxx excluded per Non-Affiliate attestation provided - Due Diligence Vendor-02/23/2026 <br>Counter- - Due Diligence Vendor-02/23/2026 <br>Counter- - Due Diligence Vendor-02/23/2026 <br>Counter-\*\*Received Initial and Revised CDs. Updated compliance testing results in fail of the High Cost testing due to total of Points and Fees exceeding the threshold. In review of the lender's Loan Detail Report, it appears the lender excluded certain fees paid to the lender's affiliate from their total of Points and Fees. - Due Diligence Vendor-02/04/2026 <br>Open- - Due Diligence Vendor-02/04/2026 <br>Open- - Due Diligence Vendor-02/04/2026 <br>Open- - Due Diligence Vendor-02/04/2026 <br>Open- - Due Diligence Vendor-02/04/2026 <br>Open- - Due Diligence Vendor-01/26/2026 <br>Open- - Due Diligence Vendor-01/26/2026 <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. - Due Diligence Vendor-01/26/2026 <br>Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-Fees xxxxxx excluded per Non-Affiliate attestation provided - Due Diligence Vendor-02/23/2026 | 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 - 21.14 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 - 21.00 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 - 21.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.25 Are Greater Than The Guideline Minimum Of 3 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 - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.34% 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854616 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-26 01:40 | 2026-02-04 10:38 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received Initial and Revised CDs. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. initial cd and interim cd - Due Diligence Vendor-02/03/2026 <br>Open-Initial Closing Disclosure is missing. - Due Diligence Vendor-01/26/2026 |  | Resolved-\*\*Received Initial and Revised CDs. - Due Diligence Vendor-02/04/2026 | 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 - 21.14 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 - 21.00 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 - 21.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.25 Are Greater Than The Guideline Minimum Of 3 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 - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review854616_xxxxxx_2_3_2026_110221_AM.zip<br> 854616_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260104_123815.pdf<br> 854616_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260105_121940.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 |
| 854616 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-23 15:06 | 2026-01-28 14:54 | 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-01/28/2026 <br>Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-01/28/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/28/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/23/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/28/2026 | 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 - 21.14 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 - 21.00 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 - 21.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.25 Are Greater Than The Guideline Minimum Of 3 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 - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 854616_xxxxxx_854616_xxxxxx_ANALYSIS_updated_12-19-25.xlsx | 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 |
| 854616 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-27 19:00 | 2026-01-28 09:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | AUS Not Provided | Resolved-AUS Findings Report is fully present - Due Diligence Vendor-01/28/2026 <br> Open-Missing AUS Findings Report Final 1008 shows AUS DU Approved/Eligible. Missing final AUS findings. - Due Diligence Vendor-01/28/2026 |  | Resolved-AUS Findings Report is fully present - Due Diligence Vendor-01/28/2026 | 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 - 21.14 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 - 21.00 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 - 21.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.25 Are Greater Than The Guideline Minimum Of 3 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 - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.34% 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854619 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854624 | xxxxxx | B A | Closed | xxxxxx | 2026-01-20 03:17 | 2026-01-23 11:53 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-01/22/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/20/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/23/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.92 Years<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 854624_xxxxxx_854624_Final_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854646 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 07:45 | 2026-02-17 09:51 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. initial CD and interim CDs - Due Diligence Vendor-02/15/2026 <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-02/13/2026 |  | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-02/17/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 66.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review854646_xxxxxx_2_13_2026_53900_PM.zip<br> 854646_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251217_143027.pdf<br> 854646_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260107_122713.pdf<br> 854646_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260105_115440.pdf<br> 854646_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251216_130315.pdf<br> 854646_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260121_150939.pdf<br> 854646_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251217_190623.pdf<br> 854646_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260122_092554.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 |
| 854647 | xxxxxx | D A | Closed | xxxxxx | 2026-01-14 15:26 | 2026-03-10 16:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Field Review Provided - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. Please see the attached field review. xxxxxx Mgmt.: Seller to provide secondary valuation after closing. Only the primary valuation is required prior to close. - Due Diligence Vendor-03/10/2026 <br> Counter-Document Uploaded. The CDA provided has a Value variance of -25% Allowable Tolerance is 10% - Missing a Desk review that Supports value and within tolerance. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Please see attached CDA. - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-01/14/2026 |  | Resolved-Field Review Provided - Due Diligence Vendor-03/10/2026 | 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 - 7.87 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 - 16.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.17 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 711 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 854647_xxxxxx_CDA.pdf<br> Screenshot 2026-02-06 100515.jpg<br> 854647_xxxxxx__Field_Review_Report.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 |
| 854647 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 08:38 | 2026-02-03 08:20 | 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-02/03/2026 <br> Ready for Review-Document Uploaded. UDM - Due Diligence Vendor-02/03/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap credit report required per lender guidelines within 30 days prior to close or anytime after closing. Provided Undisclosed Monitoring Report shows Cancelled on xxxxxx. - Due Diligence Vendor-01/14/2026 <br> Open-Updated condition verbiage. - Due Diligence Vendor-01/14/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/03/2026 | 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 - 7.87 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 - 16.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.17 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 711 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 854647_xxxxxx_UDM.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 |
| 854647 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 08:38 | 2026-02-03 08:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. UDM - Due Diligence Vendor-02/03/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Gap credit report required per lender guidelines within 30 days prior to close or anytime after closing. Provided Undisclosed Monitoring Report shows Cancelled on xxxxxx. - Due Diligence Vendor-01/14/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/03/2026 | 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 - 7.87 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 - 16.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.17 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 711 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 854647_xxxxxx_UDM.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 |
| 854660 | xxxxxx | C A B | Closed | xxxxxx | 2026-02-04 07:19 | 2026-02-09 13:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received revised CDs.<br> - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see the attached initial cd and interim cds. - Due Diligence Vendor-02/06/2026 <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-02/04/2026 |  | Resolved-Received revised CDs.<br> - Due Diligence Vendor-02/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 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 16.3 Are Greater Than The Guideline Minimum Of 3 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 - 8.17 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 - 20.90 Years |  | Full Review854660_xxxxxx_xxxxxx_2_5_2026_31449_PM.zip<br> 854660_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251224_115747.pdf<br> 854660_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251209_132335.pdf<br> 854660_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260107_112218.pdf<br> 854660_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251229_141241.pdf<br> 854660_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260109_111712.pdf<br> 854660_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260115_185128.pdf<br> 854660_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260108_104819.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 |
| 854660 | xxxxxx | C A B | Closed | xxxxxx | 2026-02-09 13:11 | 2026-02-09 13:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received revised CDs.<br> - Due Diligence Vendor-02/09/2026 <br> Resolved- - Due Diligence Vendor-02/09/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $51.69.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2.06.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $49.63.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received revised CDs.<br> - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 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 16.3 Are Greater Than The Guideline Minimum Of 3 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 - 8.17 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 - 20.90 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 |
| 854660 | xxxxxx | C A B | Closed | xxxxxx | 2026-02-09 13:11 | 2026-02-09 13:30 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received revised CDs.<br> - Due Diligence Vendor-02/09/2026 <br> Resolved- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received revised CDs.<br> - Due Diligence Vendor-02/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 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 16.3 Are Greater Than The Guideline Minimum Of 3 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 - 8.17 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 - 20.90 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 |
| 854660 | xxxxxx | C A B | Closed | xxxxxx | 2026-02-09 13:11 | 2026-02-09 13:30 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received revised CDs.<br> - Due Diligence Vendor-02/09/2026 <br>Resolved- - Due Diligence Vendor-02/09/2026 <br>Open- - Due Diligence Vendor-02/09/2026 <br>Open- - Due Diligence Vendor-02/09/2026 <br>Open- - Due Diligence Vendor-02/09/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/09/2026 <br>Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received revised CDs.<br> - Due Diligence Vendor-02/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 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 16.3 Are Greater Than The Guideline Minimum Of 3 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 - 8.17 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 - 20.90 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 |
| 854660 | xxxxxx | C A B | Closed | xxxxxx | 2026-02-09 13:20 | 2026-02-09 13:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received revised CDs.<br> - Due Diligence Vendor-02/09/2026 <br> Resolved- - Due Diligence Vendor-02/09/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,237.00) exceed the comparable charges ($1,917.00) 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). - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received revised CDs.<br> - Due Diligence Vendor-02/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 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 16.3 Are Greater Than The Guideline Minimum Of 3 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 - 8.17 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 - 20.90 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 |
| 854660 | xxxxxx | C A B | Closed | xxxxxx | 2026-02-04 04:12 | 2026-02-06 16:08 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-02/06/2026 <br> Open-1008/Underwriting Summary Partially Provided Missing final 1008. - Due Diligence Vendor-02/04/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/06/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 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 16.3 Are Greater Than The Guideline Minimum Of 3 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 - 8.17 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 - 20.90 Years |  | 854660_xxxxxx_854660_revised_Final_ldl-report_114202674423_074424.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 |
| 854666 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854668 | xxxxxx | D A | Closed | xxxxxx | 2025-12-13 03:56 | 2025-12-22 12:04 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Other Rider is Missing | Resolved-Business Loan rider provided - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. See attached business loan rider - Due Diligence Vendor-12/22/2025 <br>Open-Business loan rider missing but checked off as being present on the mortgage's riders section - please provide fully executed business loan rider - Due Diligence Vendor-12/13/2025 |  | Resolved-Business Loan rider provided - Due Diligence Vendor-12/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.29 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review854668_xxxxxx_12_18_2025_13002_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854740 | 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 |  |  |  |
| 854741 | xxxxxx | C A | Closed | xxxxxx | 2025-12-11 17:27 | 2025-12-12 13:34 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Open-for xxxxxx. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025 |  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.83 Years<br>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 |  | PASSPORTR---xxxxxx_2a3d3726-03dd-47de-84fb-6213bc61055d.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854752 | xxxxxx | B A | Closed | xxxxxx | 2025-12-12 03:06 | 2025-12-17 14:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. 12/15/25 - please see CLA - Due Diligence Vendor-12/16/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/12/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.8 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 - 13 Years |  | Full Review854752_xxxxxx_12_15_2025_42647_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854768 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-11 09:27 | 2025-12-15 14:28 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. 12/15/25 - please see CLA - Due Diligence Vendor-12/15/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/11/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review854768_xxxxxx_12_15_2025_120935_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854768 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-11 09:20 | 2025-12-15 09:28 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. 12/12/25 - please see Mortgage - Due Diligence Vendor-12/15/2025 <br>Open-Borrower 1 Signature does not match Note Note missing - Due Diligence Vendor-12/11/2025 |  | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-12/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review854768_xxxxxx_12_12_2025_41234_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854768 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-12 10:44 | 2025-12-15 09:27 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. 12/12/25 - please see Note. - Due Diligence Vendor-12/15/2025 <br>Open-The Note is Missing note is not in file - Due Diligence Vendor-12/12/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-12/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review854768_xxxxxx_12_12_2025_40931_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854783 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 10:00 | 2026-03-25 10:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject Property Lot Size does not meet Guideline Minimum | Waived-Client Exception granted with compensating factors to allow sq ft that does not meet guideline minimum of 500. (subject is xxxxxx sq ft) - Due Diligence Vendor-03/25/2026 <br> Open-Guideline minimum sq ft requirement of 500 is not met. (subject is xxxxxx sq ft) - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow sq ft that does not meet guideline minimum of 500. (subject is xxxxxx sq ft) - Due Diligence Vendor-03/25/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 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 157.83 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 | Originator Pre-Close | Yes | xxxxxx |
| 854783 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-08 07:44 | 2026-01-13 15:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx DSCR Approval. - Due Diligence Vendor-01/13/2026 <br> Open-1008/Underwriting Summary Partially Provided Loan program is "xxxxxx DSCR", 1008 reflects Risk Assessment as AUS, income and DTI. Provide corrected 1008 to match loan as approved. - Due Diligence Vendor-01/08/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 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 157.83 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 854783_xxxxxx_854783_Final_Notice_of_Loan_Approval_12-17-25.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854783 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-08 12:46 | 2026-01-08 12:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors Exception granted for: investor concentration is 100% which exceeds your guidelines max allowed of 60%. - Due Diligence Vendor-01/08/2026 |  | Waived-Client Exception granted with compensating factors Exception granted for: investor concentration is 100% which exceeds your guidelines max allowed of 60%. - Due Diligence Vendor-01/08/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 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 157.83 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> Credit Score 30+ points > minimum required<br> Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854783 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-08 12:46 | 2026-01-08 12:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors Housing History Does Not Meet Guideline Requirements . Exception granted for: request to allow borrower living rent free - Due Diligence Vendor-01/08/2026 |  | Waived-Client Exception granted with compensating factors Housing History Does Not Meet Guideline Requirements . Exception granted for: request to allow borrower living rent free - Due Diligence Vendor-01/08/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 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 157.83 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> Credit Score 30+ points > minimum required<br> Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854788 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854792 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854797 | xxxxxx | D A | Closed | xxxxxx | 2026-02-03 10:41 | 2026-02-05 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached Worksheet. - Due Diligence Vendor-02/04/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/03/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/05/2026 | 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 Qualifying FICO Of 783 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 59.36% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 59.36% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.1% 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 36.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 36.33 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 - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | 854797_xxxxxx_854797_xxxxxx_ANALYSIS_(2).xlsx | 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 |
| 854797 | xxxxxx | D A | Closed | xxxxxx | 2026-02-03 10:25 | 2026-02-05 09:32 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached RCE. - Due Diligence Vendor-02/04/2026 <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 Per document pg 162, RCE was completed; however, was not in the file - Due Diligence Vendor-02/03/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/05/2026 | 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 Qualifying FICO Of 783 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 59.36% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 59.36% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.1% 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 36.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 36.33 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 - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | 854797_xxxxxx_#12_RCE.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 |
| 854828 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854829 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854911 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854929 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854931 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854948 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854965 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855017 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855020 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855031 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855065 | xxxxxx | B A | Closed | xxxxxx | 2026-01-17 07:49 | 2026-01-17 07:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 75% exceeds Guideline LTV of 70% The property is being used as a long term and short term rental. The ADU is LTR and the Main Unit is STR. We are disclosing this because we do not have 12 month history of rents otherwise. The DSCR ratio is over 1% LTR per the Rental Survey provided. We have an active lease in place for ADU and can show history of xxxxxx income for the main unit.<br> Would you review this for a LTV exception at 75%? - Due Diligence Vendor-01/17/2026 |  | Waived-Client Exception granted with compensating factors Audited LTV of 75% exceeds Guideline LTV of 70% The property is being used as a long term and short term rental. The ADU is LTR and the Main Unit is STR. We are disclosing this because we do not have 12 month history of rents otherwise. The DSCR ratio is over 1% LTR per the Rental Survey provided. We have an active lease in place for ADU and can show history of xxxxxx income for the main unit.<br> Would you review this for a LTV exception at 75%? - Due Diligence Vendor-01/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 9.04 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 Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 700 By Twenty (20) or More Points | \* Credit Score 10 points > minimum required<br> \* Reserves exceed requirement by 2 months or more<br> \* Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 855072 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855077 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855078 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855117 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-26 14:30 | 2026-01-16 07:38 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Counter-Missing Lenders 1008 - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. - Seller-01/02/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026<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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.68 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Signed-Closing-Docs_xxxxxx.pdf<br> 1008 Underwriting Summary.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855117 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-26 13:40 | 2026-01-16 07:37 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2026 | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/16/2026<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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.68 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | PUD RIDER - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855117 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-29 10:46 | 2026-01-16 07:37 | Resolved | 1 - Information C A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Please see documents on other cond - does not appear signed closing package made it to you - Seller-01/02/2026 <br>Open-The Deed of Trust is Not Executed - Due Diligence Vendor-12/29/2025 | Ready for Review-Please see documents on other cond - does not appear signed closing package made it to you - Seller-01/02/2026 | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-01/02/2026<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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.68 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 |
| 855117 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-29 11:11 | 2026-01-02 14:50 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Final CD provided - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Please see documents on other cond - does not appear signed closing package made it to you - Seller-01/02/2026 <br>Open-Missing executed Final CD- Unexcuted Final CD is on page 91 in file. - Due Diligence Vendor-12/29/2025 | Ready for Review-Please see documents on other cond - does not appear signed closing package made it to you - Seller-01/02/2026 | Resolved-Final CD provided - Due Diligence Vendor-01/02/2026 | 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.68 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 |
| 855117 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-29 10:54 | 2026-01-02 14:48 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Please see documents on other cond - does not appear signed closing package made it to you - Seller-01/02/2026 <br>Open-The Final 1003 is Not Executed - Due Diligence Vendor-12/29/2025 | Ready for Review-Please see documents on other cond - does not appear signed closing package made it to you - Seller-01/02/2026 | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/02/2026 | 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.68 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 |
| 855117 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-29 10:43 | 2026-01-02 14:46 | Resolved | 1 - Information C A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Please see documents on other cond - does not appear signed closing package made it to you - Seller-01/02/2026 <br>Open-The Note is Not Executed Provide the final executed note. The note in the file pg 435 is unsigned. - Due Diligence Vendor-12/29/2025 | Ready for Review-Please see documents on other cond - does not appear signed closing package made it to you - Seller-01/02/2026 | Resolved-The Note is Executed - Due Diligence Vendor-01/02/2026 | 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.68 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 |
| 855126 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855144 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 08:26 | 2026-02-09 08:26 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client Exception granted with compensating factors Income and Employment Do Not Meet Guidelines Exception requested for the number of negative daily balances in the account used in qualifying (24 mo bank statement) .<br> Borrower signed explanation uploaded. - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factors Income and Employment Do Not Meet Guidelines Exception requested for the number of negative daily balances in the account used in qualifying (24 mo bank statement) .<br> Borrower signed explanation uploaded. - Due Diligence Vendor-02/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 714 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 Is Less Than The Guideline Maximum Calculated DTI Of 22.11% 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.10 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 44.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Current primary home ownership > 5 years<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Self-employed for > 5 years<br> Residual income more than 2.5x the amount required by guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 855148 | xxxxxx | C A | Closed | xxxxxx | 2026-01-07 14:23 | 2026-02-03 07:24 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Signed and Notarized xxxxxx Affidavit provided. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see the xxxxxx Affidavit and the LOI. xxxxxx! - Due Diligence Vendor-02/02/2026 <br>Open-The Note closed in LLC was signed as Individual however DOT reflects signature page also as Individual - its missing the Member vesting - Due Diligence Vendor-01/07/2026 |  | Resolved-Signed and Notarized xxxxxx Affidavit provided. - Due Diligence Vendor-02/03/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 133.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 855148_xxxxxx_LOI_with_affidavit.pdf<br> 855148_xxxxxx_LOI_with_affidavit_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855153 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855159 | xxxxxx | D A | Closed | xxxxxx | 2026-01-18 05:51 | 2026-01-23 10:29 | 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-01/23/2026 <br> Ready for Review-Document Uploaded. 1/21/26 - please see attached: Operating Agreement, Cert of Good Standing, EIN, Articles of Incorporation. Bwr is a sole member - Due Diligence Vendor-01/22/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing all entity documents related to borrower: xxxxxx - Due Diligence Vendor-01/18/2026 |  | Resolved-Entity Documents provided - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.35 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 57.84% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | Full Review855159_xxxxxx_1_21_2026_51734_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855170 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-06 12:50 | 2026-02-12 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Assets are not needed for reserves. The reserves are covered by the proceeds. See attached updated 1003 removing the account - Due Diligence Vendor-02/11/2026 <br> Open-Asset 1 Missing Asset #1 is Missing with xxxxxx. Please provide statement/trans history showing no less than $22,699 covering a one (1) month period and dated within 120 days of the loan Note date.<br> - Due Diligence Vendor-02/08/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-02/12/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 816 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.83% 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 0.03<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 17.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 106.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 855170_xxxxxx_1003.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 |
| 855170 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-06 16:11 | 2026-02-11 15:45 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*Received explanation; - Due Diligence Vendor-02/11/2026 <br>Ready for Review-It was not a credit but the cure that was removed as it was not applicable. The LE disclosed the correct amount however LE doesn't reflect the cent, it should be ok as this was not removed after borrower signed. - Due Diligence Vendor-02/11/2026 <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($0.15). 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 disclosed a lender credit in section J intended as a cure in the initial CD and removed/decreased in the final CD. - Due Diligence Vendor-02/08/2026 <br>Open- - Due Diligence Vendor-02/08/2026 <br>Open- - Due Diligence Vendor-02/06/2026 |  | Resolved-\*\*Received explanation; - Due Diligence Vendor-02/11/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 816 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.83% 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 17.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 106.31 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855170 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-06 16:08 | 2026-02-11 15:42 | 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 disclosure - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Please see attached Homeowner counseling disclosure - Due Diligence Vendor-02/10/2026 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/06/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*\*Received disclosure - Due Diligence Vendor-02/11/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 816 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.83% 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 17.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 106.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review855170_xxxxxx_2_9_2026_23231_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 |
| 855170 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-08 11:29 | 2026-02-11 15:40 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved \*\*Received attestation - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. See attached LOE - Due Diligence Vendor-02/11/2026 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-02/08/2026 |  | Resolved-Required Affiliated Business Disclosure Resolved \*\*Received attestation - Due Diligence Vendor-02/11/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 816 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.83% 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 17.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 106.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review855170_xxxxxx_2_11_2026_113420_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 |
| 855170 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-06 12:44 | 2026-02-10 09:38 | 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-02/10/2026 <br>Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-02/10/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 - Missing the Gap Credit Report/Undisclosed Debt Monitoring for loans with debt-to-income ratio dated no more than 30- days prior to loan closing or any time after closing. <br> - Due Diligence Vendor-02/06/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/10/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 816 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.83% 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 17.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 106.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 855170_xxxxxx_Gap_report.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 |
| 855183 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 14:56 | 2026-01-07 08:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Mortgage missing / unexecuted | Resolved-Business Loan Rider provided - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Business Loan Rider to the mortgage attached. xxxxxx! - Due Diligence Vendor-01/06/2026 <br>Open-Missing Business Purpose Rider - Due Diligence Vendor-12/22/2025 |  | Resolved-Business Loan Rider provided - Due Diligence Vendor-01/07/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % 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 96.38 Are Greater Than The Guideline Minimum Of 3 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 - 10.42 Years |  | 855183_xxxxxx_Business_Loan_Rider.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855183 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 07:58 | 2025-12-29 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Signed Entity Documents provided. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. signed business docs - Due Diligence Vendor-12/29/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing. - Due Diligence Vendor-12/18/2025 |  | Resolved-Signed Entity Documents provided. - Due Diligence Vendor-12/29/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % 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 96.38 Are Greater Than The Guideline Minimum Of 3 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 - 10.42 Years |  | 855183_xxxxxx_Signed_Businesss_Docs.pdf<br> 855183_xxxxxx_BP_855183.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855223 | xxxxxx | D A | Closed | xxxxxx | 2026-01-23 10:35 | 2026-02-03 13:18 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-02/03/2026 <br> Ready for Review-we are using a 1.5% factor to determine the taxes for this property. Per our guideline 8.7.4 (DSCR) or 12.10.3 (xxxxxx) - the underwriter must use the lessor of a reasonable estimate of the real estate taxes based on the value of the land and the total of tall new and existing improvements (Purchase Price) or the tax estimator from the municipality or title. 1.5% is considered a reasonable estimate for new build properties. - Seller-02/02/2026 <br> Open-Missing Property Tax Cert Provide missing tax certificate supporting xxxxxx a month tax cost for the subject property. - Due Diligence Vendor-01/23/2026 | Ready for Review-we are using a 1.5% factor to determine the taxes for this property. Per our guideline 8.7.4 (DSCR) or 12.10.3 (xxxxxx) - the underwriter must use the lessor of a reasonable estimate of the real estate taxes based on the value of the land and the total of tall new and existing improvements (Purchase Price) or the tax estimator from the municipality or title. 1.5% is considered a reasonable estimate for new build properties. - Seller-02/02/2026 | Resolved-Property Tax Cert Provided - Due Diligence Vendor-02/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.94 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 - 10.47 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855223 | xxxxxx | D A | Closed | xxxxxx | 2026-01-23 11:22 | 2026-01-28 09:08 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. - Seller-01/27/2026 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Provide documentation to support the EMD of $$182,400 missing in file and required to close. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026 | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-01/28/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.94 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 - 10.47 Years |  | proof of EMD and wires - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855240 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 03:12 | 2025-12-22 13:14 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/19/2025 <br> Open-The Note is Missing Lender to provide fully executed and dated ARM Note (5/6 Arm Adj Rate) for xxxxxx with a loan amount of xxxxxx and interest rate of 6.875% - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/19/2025 | Resolved-The Note is Present - Due Diligence Vendor-12/22/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.99% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<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 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | CC NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855240 | xxxxxx | D A | Closed | xxxxxx | 2025-12-19 05:23 | 2025-12-22 13:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-BORROWER CERTIFICATION OF BUSINESS PURPOSE provided. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/19/2025 <br> Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. Per lender guides under xxxxxx NonQM 4.21.2025, doc pg #19 / "A" it clearly states: Borrower Statement of Business Purpose<br> All DSCR transactions require the borrower to acknowledge that the loan is for business purposes by completing a Business Purpose Affidavit. xxxxxx reserves the right to decline any loan that may indicate the property is not intended exclusively for investment purposes. Lender to provide a fully completed/executed/dated disclosure - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/19/2025 | Resolved-BORROWER CERTIFICATION OF BUSINESS PURPOSE provided. - Due Diligence Vendor-12/22/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.99% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<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 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Business Purpose Disclosure_2025_12_19_@02_23_17.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855241 | xxxxxx | D A | Closed | xxxxxx | 2026-01-16 15:55 | 2026-01-22 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-01/21/2026 <br>Open-Title Document is missing. Provided document is a blank title jacket only. - Due Diligence Vendor-01/16/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-01/22/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 744 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 8.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 8.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 855241_xxxxxx_updated_commitment.pdf<br> 855241_xxxxxx_Title-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855268 | xxxxxx | B A | Closed | xxxxxx | 2026-01-15 14:13 | 2026-01-22 07:28 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-01/22/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/15/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/22/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 855268_xxxxxx_Loan_#855268_LDL-Report_12-29-25.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 05:19 | 2026-02-05 17:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. flood cert - Due Diligence Vendor-01/22/2026 <br>Open-Missing Flood Certificate - Due Diligence Vendor-01/17/2026 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Flood_Cert_(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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-20 04:13 | 2026-02-05 17:28 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br> Open-Missing evidence of sufficient hazard coverage OR satisfactory RCE. - Due Diligence Vendor-01/22/2026 <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 - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Insurance policy - Due Diligence Vendor-01/22/2026 <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 - Due Diligence Vendor-01/20/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/05/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Insurance_Document_(xxxxxx).pdf<br> RCE (2).pdf<br> RCE (3).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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-19 04:59 | 2026-01-27 10:47 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received initial package and initial cd<br> - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. Please see Initial Signed CD. - Due Diligence Vendor-01/26/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Discloser is Missing .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-01/19/2026 |  | Resolved-Received initial package and initial cd<br> - Due Diligence Vendor-01/27/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | Full Review855305_xxxxxx_1_23_2026_61859_PM.zip<br> 855305_xxxxxx_Initial_CD_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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-19 04:56 | 2026-01-27 10:47 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Received initial package and initial cd<br> - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. Attached is the initial disclosure package submitted. Contains the initial Loan estimate with all other required initial disclosures. - Due Diligence Vendor-01/26/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan estimate Missing 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-01/19/2026 |  | Resolved-Received initial package and initial cd<br> - Due Diligence Vendor-01/27/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | Full Review855305_xxxxxx_1_23_2026_61723_PM.zip<br> 855305_xxxxxx_Initial_Disclosure_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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-19 05:03 | 2026-01-27 10:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/27/2026 <br>Resolved- - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see lock - Due Diligence Vendor-01/22/2026 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-01/19/2026 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/27/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Lock_Confirmation_855305_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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-19 05:03 | 2026-01-27 10:44 | 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-01/27/2026 <br>Ready for Review-Document Uploaded. Please see attached Homeownership Counseling Disclosure. - Due Diligence Vendor-01/26/2026 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-01/19/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/27/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | Full Review855305_xxxxxx_1_23_2026_61140_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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-20 14:04 | 2026-01-26 14:22 | 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-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached Credit Refresh. - Due Diligence Vendor-01/26/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/20/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Credit_Refresh.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 05:55 | 2026-01-26 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/22/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide Mortgage statement for the property located at xxxxxx<br> xxxxxx - Due Diligence Vendor-01/17/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-20 14:04 | 2026-01-26 14:22 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see credit report - Due Diligence Vendor-01/22/2026 <br>Open-Borrower 1 Credit Report is Partially Present. Missing credit report. Credit scores taken from loan review doc in closing package. - Due Diligence Vendor-01/20/2026 |  | Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Credit_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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 06:05 | 2026-01-26 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 5 Missing | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Resolved-a - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-01/22/2026 <br> Open-Asset 5 Missing Missing xxxxxx xxxxxxxxxx - Due Diligence Vendor-01/17/2026 |  | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Resolved-a - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Sept.pdf<br> 855305_xxxxxx_Oct.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-22 09:31 | 2026-01-26 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 6 Missing | Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. xxxxxx statement showing the Heloc Info on page 2. Also uploading transaction history from heloc pulling $xxxxxx and transaction history from checking showing the deposit of the $xxxxxx. Also included credit refresh report showing the Heloc balance now reporting. - Due Diligence Vendor-01/26/2026 <br> Open-Asset 6 Missing Missing HELOC loan information. - Due Diligence Vendor-01/22/2026 |  | Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-01/26/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_HELOC_Transaction_History.pdf<br> 855305_xxxxxx_November_(HELOC_on_page_2).pdf<br> 855305_xxxxxx_Transaction_History_showing_the_HELOC_funds_in.pdf<br> 855305_xxxxxx_Credit_Refresh.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 06:05 | 2026-01-26 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Resolved-2 months - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-01/22/2026 <br> Open-Asset 4 Missing Missing xxxxxx xxxxxx - Due Diligence Vendor-01/17/2026 |  | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Resolved-2 months - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Sept.pdf<br> 855305_xxxxxx_Oct.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 06:05 | 2026-01-26 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Resolved-2 months - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-01/22/2026 <br> Open-Asset 3 Missing Missing xxxxxx xxxxxxxxxx - Due Diligence Vendor-01/17/2026 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Resolved-2 months - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Nov.pdf<br> 855305_xxxxxx_Oct.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 06:05 | 2026-01-26 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Resolved-1 month - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-01/22/2026 <br> Open-Asset 2 Missing Missing credit package, asset 2 from 1003 xxxxxx xxxxxxxxx - Due Diligence Vendor-01/17/2026 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Resolved-1 month - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Transaction_History_as_of_11.06.25.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 06:05 | 2026-01-26 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached Quarterly statement used in UW. - Due Diligence Vendor-01/26/2026 <br> Open-Asset 1 Missing Missing xxxxxx bank statements - Due Diligence Vendor-01/22/2026 <br> Open-Asset 1 Missing Missing xxxxxx bank statement - Due Diligence Vendor-01/22/2026 <br> Open-Asset 1 Missing Missing credit package, asset 1 from 1003 xxxxxx - Due Diligence Vendor-01/17/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-01/26/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_principal_stat.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 05:40 | 2026-01-26 14:17 | 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-01/22/2026 <br>Resolved-paystub and 3 years bonus income provided. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. please see paystub - Due Diligence Vendor-01/22/2026 <br>Open-Income 2 Months Income Verified is Missing Missing credit package with income information for wages and bonus. - Due Diligence Vendor-01/17/2026 |  | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Resolved-paystub and 3 years bonus income provided. - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Paystub_10-15-25.pdf<br> 855305_xxxxxx_PayStub_Bonus_12-31-23.pdf<br> 855305_xxxxxx_PayStub_Bonus_12-31-24.pdf<br> 855305_xxxxxx_Paystub_10-31-25.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 05:40 | 2026-01-26 14:17 | 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-01/22/2026 <br>Resolved-duplicate - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. please see paystub - Due Diligence Vendor-01/22/2026 <br>Open-Income 1 Months Income Verified is Missing Missing credit package with income information for wages and bonus. - Due Diligence Vendor-01/17/2026 |  | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/22/2026 <br> Resolved-duplicate - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Paystub_10-15-25.pdf<br> 855305_xxxxxx_Paystub_10-31-25.pdf<br> 855305_xxxxxx_PayStub_Bonus_12-31-23.pdf<br> 855305_xxxxxx_PayStub_Bonus_12-31-24.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 05:40 | 2026-01-26 14:17 | 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-01/26/2026 <br>Ready for Review-Document Uploaded. Please see attached VVOE. - Due Diligence Vendor-01/26/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/17/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/26/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_VVOE.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 05:22 | 2026-01-22 09:28 | 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-01/22/2026 <br>Ready for Review-Document Uploaded. Please see fraud report - Due Diligence Vendor-01/22/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/17/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_(1).pdf<br> 855305_xxxxxx_Revised.pdf<br> 855305_xxxxxx_Revised_(1).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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 06:28 | 2026-01-22 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA on departing residence provided. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see HOA - Due Diligence Vendor-01/22/2026 <br> Open-Missing verification of taxes, insurance, and HOA fees for xxxxxx - Due Diligence Vendor-01/17/2026 |  | Resolved-HOA on departing residence provided. - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_HOA_Statement_Sept_25_(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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 06:30 | 2026-01-22 09:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-rental lease provided - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see lease - Due Diligence Vendor-01/22/2026 <br> Open-Missing Lease Agreement xxxxxx - Due Diligence Vendor-01/17/2026 |  | Resolved-rental lease provided - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Lease_Agreement_Fully_Executed.pdf<br> 855305_xxxxxx_Lease_Month-to-Month_Rental_Agmt_-_12_25.pdf<br> 855305_xxxxxx_Lease-_Owner_E-sign_Certificate.pdf<br> 855305_xxxxxx_Lease-_Tenant_E-sign_Certificate.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 05:10 | 2026-01-22 08:54 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see the tax cert - Due Diligence Vendor-01/22/2026 <br>Open-Missing Property Tax Cert or property tax calculation - Due Diligence Vendor-01/17/2026 |  | Resolved-Property Tax Cert Provided - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Property_Tax_Bill_(xxxxxx).pdf<br> 855305_xxxxxx_Tax_Bill_xxxxxx.pdf<br> 855305_xxxxxx_Tax_Roll_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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 05:10 | 2026-01-22 08:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see prelim - Due Diligence Vendor-01/22/2026 <br>Open-Title Document is missing Missing title commitment or preliminary title - Due Diligence Vendor-01/17/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Prelim_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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 06:53 | 2026-01-22 08:37 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please approval - Due Diligence Vendor-01/22/2026 <br>Open-1008/Underwriting Summary Not Provided Missing 1008 or similar approval. - Due Diligence Vendor-01/17/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Loan_#855305_LDL-Report_UPDATED_1-8-2026.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 06:53 | 2026-01-22 08:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-01/22/2026 <br>Resolved- - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see SSR - Due Diligence Vendor-01/22/2026 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. Desk Review or 3rd party appraisal review missing. - Due Diligence Vendor-01/17/2026 |  | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_SSR_xxxxxx_14251516_(1).pdf<br> 855305_xxxxxx_SSR_xxxxxx_14251516.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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-21 12:02 | 2026-01-22 08:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see SSR - Due Diligence Vendor-01/22/2026 <br>Open- - Due Diligence Vendor-01/21/2026 |  |  | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_SSR_xxxxxx_14251516.pdf<br> 855305_xxxxxx_SSR_xxxxxx_14251516_(1).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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 05:14 | 2026-01-22 08:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/22/2026 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see purchase contract - Due Diligence Vendor-01/22/2026 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-01/17/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Purchase_Contract_(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 |
| 855305 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 05:14 | 2026-01-22 08:31 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/22/2026 <br>Resolved- - Due Diligence Vendor-01/22/2026 <br>Open-Appraisal is Missing - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see appraisal - Due Diligence Vendor-01/22/2026 <br>Open-Appraisal is Missing - Due Diligence Vendor-01/17/2026 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-01/22/2026 | 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>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 - 16.79 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 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 - 28.00 Years |  | 855305_xxxxxx_Appraisal_Report_xxxxxx_Dr.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 |
| 855310 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 17:20 | 2025-12-29 09:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final CD provided. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. CD attached - Due Diligence Vendor-12/29/2025 <br>Open-Provide the final settlement statement executed by the borrower. - Due Diligence Vendor-12/23/2025 |  | Resolved-Final CD provided. - Due Diligence Vendor-12/29/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.54 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 811 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 855310_xxxxxx_CD_From_Closing.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855317 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-03 10:36 | 2026-02-12 11:36 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/03/2026 |  | Resolved-Desk review provided - Due Diligence Vendor-02/12/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 792 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 Borrower At Current Residence For Five (5) Or More Years - 25.42 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 46.28% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 58.22 Are Greater Than The Guideline Minimum Of 0 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.06 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 |  | 855317_xxxxxx_xxxxxx_RDA.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 |
| 855317 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-29 06:13 | 2026-02-04 11:01 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Received revised LE - Due Diligence Vendor-02/04/2026 <br> Resolved- - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. See attached initial CD, COC and LE - Due Diligence Vendor-02/03/2026 <br> Open- - Due Diligence Vendor-02/02/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/29/2026 |  | Resolved-\*\*Received revised LE - Due Diligence Vendor-02/04/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 792 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 Borrower At Current Residence For Five (5) Or More Years - 25.42 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 46.28% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 58.22 Are Greater Than The Guideline Minimum Of 0 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.06 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 Review855317_xxxxxx_xxxxxx_2_2_2026_25726_PM.zip<br> 855317_xxxxxx_COC_LE.pdf<br> 855317_xxxxxx_initial_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 |
| 855374 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855384 | xxxxxx | B A | Closed | xxxxxx | 2025-10-14 13:13 | 2025-10-17 13:54 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.71 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 - 18.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | transmittal_19_pdf (50).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855409 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855413 | xxxxxx | C A | Closed | xxxxxx | 2026-02-16 12:20 | 2026-02-19 06:29 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached Initial CD and interim CD's. - Due Diligence Vendor-02/18/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the missing 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-02/16/2026 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/19/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.9 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 - 5.57 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review855413_xxxxxx_2_17_2026_44624_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 |
| 855415 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855429 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855443 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855462 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 07:31 | 2026-02-26 15:54 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. See completed note - Due Diligence Vendor-01/14/2026 <br>Open-The Note is Missing Note document is missing for subject property. - Due Diligence Vendor-01/08/2026 |  | Resolved-The Note is Present - Due Diligence Vendor-01/15/2026 | 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 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26 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 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 855462_xxxxxx_NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855462 | xxxxxx | D A | Closed | xxxxxx | 2026-01-22 18:29 | 2026-02-26 12:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Required mortgage rider missing | Resolved-Riders, PPP, and LOI present. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Prepayment Rider to DOT (and Addendum to the Note), and LOI re-uploaded as well as directly to the TPR portal. - Seller-02/26/2026 <br>Counter-Unable to open Title PDF, Please re-upload - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Please see attached.DOT Prepayment Penalty Rider w/evidence of recording. - Due Diligence Vendor-02/24/2026 <br>Counter-Sufficient, please provide evidence of recording. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Can you please review the uploaded PPP Addendum and Rider? If sufficient, Seller will re-send for recording. - Due Diligence Vendor-01/29/2026 <br>Counter-provide evidence of recording once completed - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. Please see attached PPP Addendum and Rider. Pending evidence of recording. - Due Diligence Vendor-01/27/2026 <br>Open-Missing DOT Prepayment Penalty Rider w/evidence of recording. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Prepayment Rider to DOT (and Addendum to the Note), and LOI re-uploaded as well as directly to the TPR portal. - Seller-02/26/2026 | Resolved-Riders, PPP, and LOI present. - Due Diligence Vendor-02/26/2026 | 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 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26 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 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 855462_xxxxxx_PPP_Addendum_and_Rider.pdf<br> 855462_xxxxxx_title.pdf<br> 855462_xxxxxx_SIGNED-riders.pdf<br> LOI.pdf<br> SIGNED-riders (2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855462 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 07:54 | 2026-01-22 14:59 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved- - Due Diligence Vendor-01/22/2026 <br>Ready for Review- - Due Diligence Vendor-01/21/2026 <br>Counter-Missing the Signed and or stamped CTC Final HUD/SS or CD. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Final CD - Due Diligence Vendor-01/14/2026 <br>Open-Final closing disclosure document is missing for subject property. - Due Diligence Vendor-01/08/2026 |  |  | 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 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26 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 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 855462_xxxxxx_CD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855462 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 07:34 | 2026-01-15 08:20 | 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-01/15/2026 <br>Ready for Review-Document Uploaded. See DOT - Due Diligence Vendor-01/14/2026 <br>Open-The Deed of Trust is Missing Deed of trust document missing for subject property. - Due Diligence Vendor-01/08/2026 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/15/2026 | 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 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26 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 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 855462_xxxxxx_DOT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855465 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 18:23 | 2026-01-26 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-PPP Rider provided. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Counter-The PPP located on page 582 does not belong to this Loan/Property - Subject Loan/Property is xxxxxx - Missing Signed PPP to the correct Note - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Prepayment Addendum to Note was included in initial delivery, pg. 582 - please waive. - Buyer-01/14/2026 <br> Open- - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Resolved-PPP Rider provided. - Due Diligence Vendor-01/26/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx - Note & Rider.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855465 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 18:12 | 2026-01-26 07:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO provided - Due Diligence Vendor-01/26/2026 <br>Ready for Review-CDA was included in initial delivery pgs. 142-166, please review & waive. - Buyer-01/23/2026 <br>Open- - Due Diligence Vendor-01/13/2026 |  | Resolved-BPO provided - Due Diligence Vendor-01/26/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855465 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 09:38 | 2026-01-26 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/23/2026 <br> Counter-The Note located on page 579 does not belong to this Loan/Property - Subject Loan/Property is xxxxxx - Missing Signed Note. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Note was included in initial delivery, pgs. 579-581 - please waive. - Seller-01/14/2026 <br> Open-The Note is Missing - Due Diligence Vendor-01/12/2026 | Ready for Review-Note was included in initial delivery, pgs. 579-581 - please waive. - Seller-01/14/2026 | Resolved-The Note is Present - Due Diligence Vendor-01/26/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx - Note & Rider.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855468 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 11:31 | 2026-03-25 11:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors to allow condo project with pending litigation for small value slip and fall accident - Litigation is not applicable to the borrower or subject property-Due Diligence Vendor-03/25/2026 <br> Open-Condo project does not meet guidelines. Condo project has pending litigation and is ineligible per guideline - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow condo project with pending litigation for small value slip and fall accident - Due Diligence Vendor-03/25/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | DSCR exceeds 1.15; credit score exceeds minimum; reserves exceed 2+ months over minimum |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 855468 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-12 12:34 | 2026-01-16 15:01 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-01/15/2026 <br>Open-1008/Underwriting Summary Partially Provided . Provide corrected 1008 without income or monthly debt. Subject was submitted as a DSCR however the 1008 provided shows income which is not allowed. - Due Diligence Vendor-01/12/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 855468_xxxxxx_855468_ldl-report_1-2-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855569 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855570 | xxxxxx | D A B | Closed | xxxxxx | 2026-01-29 01:19 | 2026-02-25 07:35 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Re-recorded DOT with Signed PUD Rider provided - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. See attached updated DOT and letter of intent. - Due Diligence Vendor-02/24/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-01/29/2026 |  | Resolved-Re-recorded DOT with Signed PUD Rider provided - Due Diligence Vendor-02/25/2026 | 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 680 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 - 5.26 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 |  | 855570_xxxxxx_DEED_WITH_PUD.pdf<br> 855570_xxxxxx_LOE.pdf<br> 855570_xxxxxx_MORTGAGE-RE-RECORD_-_recorded.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 |
| 855570 | xxxxxx | D A B | Closed | xxxxxx | 2026-01-29 01:53 | 2026-02-04 13:09 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-02/03/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 is missing - Due Diligence Vendor-01/29/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/04/2026 | 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 680 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 - 5.26 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 |  | 855570_xxxxxx_1008_-_Transmittal_Summary.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 |
| 855580 | xxxxxx | C A | Closed | xxxxxx | 2026-02-18 12:07 | 2026-02-20 10:25 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see two policies for subject property, policy 1 is for xxxxxx with clause to rebuild, Policy 2 is for xxxxxx with same clause to rebuild. The two policies together will provide sufficient coverage. They have two different policy numbers and have expiration dates later in xxxxxx. - Due Diligence Vendor-02/19/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of 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. there was no replacement cost estimator in file - Due Diligence Vendor-02/18/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/20/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 48.98 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 754 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 754 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 65.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 65.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 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 - 5.91 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.91 Years |  | 855580_xxxxxx_-_EOI_with_our_mortgagee_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855589 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855592 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-30 15:52 | 2026-03-30 15:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted with compensating factors to allow 11 months investor experience. - Due Diligence Vendor-03/30/2026 <br>Open-Borrower does not meet full guideline required 12 month investor seasoning (has 11 months). - Due Diligence Vendor-03/30/2026 |  | Waived-Client exception granted with compensating factors to allow 11 months investor experience. - Due Diligence Vendor-03/30/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 679 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 41.65 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 | Originator Pre-Close | Yes | xxxxxx |
| 855597 | xxxxxx | D A | Closed | xxxxxx | 2026-01-06 08:21 | 2026-01-06 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/06/2026 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-01/06/2026 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/06/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 12.44 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 - 9.66 Years Borrower At Current Residence For Five (5) Or More Years - 9.66 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855601 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-20 08:55 | 2026-01-27 14:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: The request for an exception to xxxxxx's eligibility criteria is granted for properties in xxxxxx are Ineligible - Due Diligence Vendor-01/27/2026 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted for properties in xxxxxx are Ineligible - Due Diligence Vendor-01/27/2026 <br> Open-Guidelines indicate property in xxxxxx is Ineligible. Property is in xxxxxx. Confirmation needed to confirm property is eligible - Due Diligence Vendor-01/20/2026 |  | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: The request for an exception to xxxxxx's eligibility criteria is granted for properties in xxxxxx are Ineligible - Due Diligence Vendor-01/27/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.99 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 19.99 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 792 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | Compensating Factor 1 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 2 - DSCR > 1.3 <br> Compensating Factor 3 - Credit Score 20 points > minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 855601 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-20 08:10 | 2026-01-22 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity Documents Provided - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. 1/20/26 - please see the attached - Due Diligence Vendor-01/21/2026 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing executed/signed articles of formation/organization - Due Diligence Vendor-01/20/2026 |  | Resolved-Entity Documents Provided - Due Diligence Vendor-01/22/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.99 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 19.99 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 792 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | Full Review855601_xxxxxx_1_20_2026_52833_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855633 | xxxxxx | B A | Closed | xxxxxx | 2026-01-20 10:13 | 2026-01-20 10:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 72% exceeds Guideline LTV of 70% max LTV 70% exception approved for 72% LTV pg 767 - Due Diligence Vendor-01/20/2026 |  | Waived-Client Exception granted with compensating factors Audited LTV of 72% exceeds Guideline LTV of 70% max LTV 70% exception approved for 72% LTV pg 767 - Due Diligence Vendor-01/20/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.03 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 47.03 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 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855649 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855651 | 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 |  |  |  |
| 855718 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855719 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 15:33 | 2025-12-31 08:38 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-UCDP - CU score of 1.2 provided - Per GL's 2.10.1.3.1 APPRAISAL REVIEW PRODUCTS 1-4 UNIT RESIDENTIAL - The following options are eligible review products: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). Only one score required. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. See attached xxxxxx SSR CU 1.2 - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/29/2025 |  | Resolved-UCDP - CU score of 1.2 provided - Per GL's 2.10.1.3.1 APPRAISAL REVIEW PRODUCTS 1-4 UNIT RESIDENTIAL - The following options are eligible review products: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). Only one score required. - Due Diligence Vendor-12/31/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.75 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 - 18.00 Years |  | 855719_xxxxxx fN_UCDP.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855732 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855733 | xxxxxx | C A | Closed | xxxxxx | 2026-01-28 07:27 | 2026-02-03 08:15 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Flood Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. See attached previous policy. - Due Diligence Vendor-02/03/2026 <br> Open-Flood Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Flood Insurance Policy dated on or before Note date is missing. Policy imaged has an Effective Date of xxxxxx which is after the Note Date of xxxxxx. - Due Diligence Vendor-01/28/2026 |  | Resolved-Flood Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/03/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 57.89% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 711 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 Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 112.26 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 Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | 855733_xxxxxx_OLD_POLICY_FLOOD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855785 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855803 | xxxxxx | D A | Closed | xxxxxx | 2025-12-30 01:41 | 2026-01-07 07:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-PPP Rider provided - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Please find the PPP Rider uploaded. xxxxxx! - Due Diligence Vendor-01/04/2026 <br>Open-Prepayment Rider Is Missing From Loan File - Due Diligence Vendor-12/30/2025 |  | Resolved-PPP Rider provided - Due Diligence Vendor-01/07/2026 | 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 At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.56 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 855803_xxxxxx_Riders.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855814 | 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 |  |  |  |
| 855841 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-22 10:05 | 2026-02-07 06:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 51.5% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-02/07/2026 <br> Ready for Review-Document Uploaded. need to be re-reviewed to Series 5. revised 1008 and 1003 to match your DTI - also updated asset worksheet - using Expanded Criteria Product - 9 months reserves required - we have 12 - reserves from cash back at closing, which is allowed. - Seller-02/05/2026 <br> Open-Audited DTI of 51.5% exceeds Guideline DTI of 50% Audited DTI calculates at 51.50% versus lender DTI of 49.95%. Variance is due to the primary housing expense used by lender of $4,149 compared to audited amount of $4,352.35, a monthly increase of $203.35. The higher housing expense results in DTI exceeding the program maximum of 50%. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. need to be re-reviewed to Series 5. revised 1008 and 1003 to match your DTI - also updated asset worksheet - using Expanded Criteria Product - 9 months reserves required - we have 12 - reserves from cash back at closing, which is allowed. - Seller-02/05/2026 | Resolved-Audited DTI of 51.5% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-02/07/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.94 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 758 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Asset Calculation - xxxxxx.pdf<br> Revised 1008 and 1003 - xxxxxx.pdf | 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 |
| 855841 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 07:14 | 2026-01-26 07:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Client Exception granted with compensating factors Allow a condo less than 400 sq feet - total sq feet is xxxxxx sq ft.<br> - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factors Allow a condo less than 400 sq feet - total sq feet is xxxxxx sq ft.<br> - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.94 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 758 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | The request for an exception to xxxxxx eligibility criteria is not granted a submitted but we will counter<br> at a MAX LTV of 70%. <br> 12 months reserves provide- guideline requires 3<br> credit score 758<br> ltv using 70% max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856088 | xxxxxx | D A | Closed | xxxxxx | 2026-02-11 12:59 | 2026-02-18 13:46 | 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-02/18/2026 <br>Ready for Review-Document Uploaded. UDN - Due Diligence Vendor-02/18/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing, please provide: 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. Per Guidelines - Due Diligence Vendor-02/11/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/18/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 35.55 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 38.69% 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.84 Years |  | 856088_xxxxxx_UDN_1.28.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 |
| 856088 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 17:26 | 2026-02-14 09:08 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-02/14/2026 <br>Ready for Review-Document Uploaded. CDA - Due Diligence Vendor-02/13/2026 <br>Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-desk review provided - Due Diligence Vendor-02/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 35.55 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 38.69% 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.84 Years |  | 856088_xxxxxx_CDA_(7).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 |
| 856094 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856106 | xxxxxx | C A | Closed | xxxxxx | 2026-02-13 12:24 | 2026-02-25 11:50 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Lender Refinance is Yes) \*\*\*\*Received explanation that correct executed forms were not included in the original package. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. It appears you may not have received the correct RTC provided by the seller. I have re-uploaded for review. Please advise. xxxxxx! - Seller-02/24/2026 <br> Counter-\*\*We are still missing a copy of the Notice of Right to Cancel in the correct H9 form model executed at closing. Subject loan is a same lender refinance and requires a Notice of Right to cancel in the H9 form model, however, the Notice of Right to Cancel in the original file is in the H8 form model which is for a new creditor. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. The borrower entered xxxxxx by accident, since it's January and a new year. Borrower initial the correction - Due Diligence Vendor-02/23/2026 <br> Counter-xxxxxx is the originating lender for Mortgage dated xxxxxx and recorded xxxxxx. H8 ROR form type provided is incorrect. The correct form type needs to be H9. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see the RTC. xxxxxx! - Due Diligence Vendor-02/19/2026 <br> Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. It appears you may not have received the correct RTC provided by the seller. I have re-uploaded for review. Please advise. xxxxxx! - Seller-02/24/2026 | Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Lender Refinance is Yes) \*\*\*\*Received explanation that correct executed forms were not included in the original package. - Due Diligence Vendor-02/25/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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 - 8.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 28.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review856106_xxxxxx_2_18_2026_81615_AM.zip<br> Full Review856106_xxxxxx_2_23_2026_104312_AM.zip<br> right to cancel (1) (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 |
| 856106 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 19:58 | 2026-02-24 10:19 | Resolved | 1 - Information C A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved-\*\*Received clarification - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. The borrower entered 2025 by accident, since it's January and a new year. Borrower initial the correction. xxxxxx! - Due Diligence Vendor-02/23/2026 <br> Counter-xxxxxx for the confusion, to clarify: The Closing Disclosure dated xxxxxx that was provided for TPR review, shows an acknowledgement date of "xxxxxx". - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached, initial disclosers are correct were sent xxxxxx. xxxxxx! - Due Diligence Vendor-02/19/2026 <br> Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. \*\*\*\*\*It appears the receipt date is incorrect. The receipt year is shown as xxxxxx, instead of xxxxxx. - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 |  | Resolved-\*\*Received clarification - Due Diligence Vendor-02/24/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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 - 8.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 28.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review856106_xxxxxx_2_18_2026_81514_AM.zip<br> Full Review856106_xxxxxx_2_23_2026_115555_AM.zip<br> 856106_xxxxxx_all_le_coc.pdf<br> 856106_xxxxxx_all_le_coc_2.pdf<br> 856106_xxxxxx_all_le.pdf<br> 856106_xxxxxx_all_le_2.pdf<br> 856106_xxxxxx_cd_xxxxxx_(1).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 |
| 856106 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 09:15 | 2026-02-15 08:01 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/15/2026 <br>Ready for Review-Document Uploaded. Please find the UW Approval uploaded. xxxxxx! - Due Diligence Vendor-02/15/2026 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-02/12/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/15/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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 - 8.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 28.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 856106_xxxxxx_Loan_#856106_LDL-Report_UPDATED_1-16-26_(1).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 |
| 856106 | xxxxxx | C A | Closed | xxxxxx | 2026-02-13 08:25 | 2026-02-15 08:00 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/15/2026 <br> Ready for Review-Document Uploaded. Please see the attached RCE used at UW. xxxxxx! - Due Diligence Vendor-02/15/2026 <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 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. - Due Diligence Vendor-02/13/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/15/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) 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 - 8.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 28.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 856106_xxxxxx___ResidentialEstimator_-_Reports.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 |
| 856141 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-02 08:59 | 2026-02-13 12:14 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Documentation provided and also, in xxxxxx, notaries are allowed to use an expired license to identify a borrower for up to 5 years after the license has expired. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Please attached B2 ID. - Due Diligence Vendor-02/13/2026 <br> Open-B2 driver license provided in file, But it was expired, please provide the valid DL - Due Diligence Vendor-02/02/2026 |  | Resolved-Documentation provided and also, in xxxxxx, notaries are allowed to use an expired license to identify a borrower for up to 5 years after the license has expired. - Due Diligence Vendor-02/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 719 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 41.25% 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 - 5.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | 856141_xxxxxx_ID-CoBrw.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856141 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-02 08:58 | 2026-02-06 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved- - Due Diligence Vendor-02/06/2026 <br>Resolved- - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see CDA attached (and in Credit Package). - Due Diligence Vendor-02/03/2026 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. Please provide the third party valuation. its missing in file - Due Diligence Vendor-02/02/2026 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 719 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 41.25% 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 - 5.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | 856141_xxxxxx_CDA_(3).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856141 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-02 02:11 | 2026-02-06 16:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.99 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. HELOC Document attached. - Due Diligence Vendor-02/06/2026 <br> Counter-Missing Documentation of New HELOC 1006 $xxxxxx - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see xxxxxx UC statement / transaction attached. <br> xxxxxx CU xxxxxx $18,017.72<br> xxxxxx xxxxxx $15,265.67<br> Proceeds from New HELOC 1006 $xxxxxx - Due Diligence Vendor-02/03/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 Provide assets showing sufficient funds for closing/reserves. Covering a one (1) month period and dated within 120 days of the loan Note date. - Due Diligence Vendor-02/03/2026 |  | Resolved-Audited Reserves of 3.99 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-02/06/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 719 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 41.25% 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 - 5.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | 856141_xxxxxx_Bank_Stmt-xxxxxx-12-31-2025-5859.pdf<br> 856141_xxxxxx_Bank_Stmt-xxxxxx-12-31-2025-5859_2.pdf<br> 856141_xxxxxx_Bank_Stmt-xxxxxx-Transaction_Summary.pdf<br> 856141_xxxxxx_Bank_Stmt-xxxxxx-Transaction_Summary_2.pdf<br> Full Review856141_xxxxxx_xxxxxx_2_5_2026_121654_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856141 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-02 01:50 | 2026-02-06 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see xxxxxx State and Transaction history attached (and in Credit Package). - Due Diligence Vendor-02/03/2026 <br> Open-Asset 2 Missing with xxxxxx Missing that was used for final assets calculations $18,017.72 - Due Diligence Vendor-02/02/2026 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/04/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 719 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 41.25% 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 - 5.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | 856141_xxxxxx_Bank_Stmt-xxxxxx-12-31-2025-5859.pdf<br> 856141_xxxxxx_Bank_Stmt-xxxxxx-Transaction_Summary.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856141 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-02 01:50 | 2026-02-06 16:11 | 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-02/06/2026 <br> Ready for Review-Document Uploaded. HELOC Document attached. - Due Diligence Vendor-02/06/2026 <br> Counter-Missing Documentation of New HELOC 1006 $xxxxxx - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see xxxxxx UC statement / transaction attached. <br> xxxxxx CU xxxxxx $18,017.72<br> xxxxxx xxxxxx $15,265.67<br> Proceeds from New HELOC 1006 $xxxxxx - Due Diligence Vendor-02/03/2026 <br> Open-Total Liquid Assets Available for Close of $43014.86 is less than Total Cash to Close $128881.79. asset shortage for cash to close and reserves. Provide assets showing sufficient funds for closing/reserves. Covering a one (1) month period and dated within 120 days of the loan Note date. - Due Diligence Vendor-02/02/2026 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-02/06/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 719 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 41.25% 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 - 5.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | Full Review856141_xxxxxx_2_3_2026_14307_PM.zip<br> Full Review856141_xxxxxx_2_5_2026_121540_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856141 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-02 01:59 | 2026-02-04 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) for Primary provided. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see Primary Mortgage Statement attached (and in Credit Package). - Due Diligence Vendor-02/03/2026 <br> Open-Mortgage statement missing for the primary residence xxxxxx - Due Diligence Vendor-02/02/2026 |  | Resolved-Mortgage statement (escrowed) for Primary provided. - Due Diligence Vendor-02/04/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 719 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 41.25% 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 - 5.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | 856141_xxxxxx_Primary_Mortgage_Statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856141 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-02 08:54 | 2026-02-02 08:54 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client Exception granted with compensating factors Income and Employment Do Not Meet Guidelines Please see the attached letter of explanation from the borrower for the Non-sufficient funds (NFS), that the underwriting questioning on the business bank statements and requesting an exception to clear this condition - Due Diligence Vendor-02/02/2026 |  | Waived-Client Exception granted with compensating factors Income and Employment Do Not Meet Guidelines Please see the attached letter of explanation from the borrower for the Non-sufficient funds (NFS), that the underwriting questioning on the business bank statements and requesting an exception to clear this condition - Due Diligence Vendor-02/02/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 719 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 41.25% 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 - 5.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 | DTI <= 40% which is below requirement in guidelines<br> Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856228 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856230 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 08:48 | 2026-01-15 15:58 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-01/14/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/13/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 | 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 - 17.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.04 Are Greater Than The Guideline Minimum Of 3 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 - 12.17 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 0.18<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 - 17.14 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.95% 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 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 856230_xxxxxx_856230_xxxxxx_Final_LDL_12.31.2025.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 |
| 856230 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 14:58 | 2026-01-15 15:57 | 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-01/15/2026 <br>Ready for Review-Document Uploaded. Please see attached Income Summary Worksheet. - Due Diligence Vendor-01/14/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary missing lender worksheet to verify bank statement income - Due Diligence Vendor-01/13/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/15/2026 | 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 - 17.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.04 Are Greater Than The Guideline Minimum Of 3 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 - 12.17 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 0.18<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 - 17.14 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.95% 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 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review856230_xxxxxx_1_14_2026_111505_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 |
| 856235 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 10:27 | 2026-02-04 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx. - Due Diligence Vendor-02/03/2026 <br> Open-Asset 1 Missing . - Due Diligence Vendor-02/03/2026 <br> Open-Asset 1 Missing Missing statements from xxxxxx balance per 1003 $268,065.22 No assets in file - Due Diligence Vendor-01/27/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-02/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 12.76 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 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 856235_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856235 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 10:27 | 2026-02-04 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. xxxxxx asset attached. - Due Diligence Vendor-02/03/2026 <br> Open-Asset 2 Missing Missing statements from xxxxxx xxxxxx xxxxxx balance per 1003 $35,803.59 - Due Diligence Vendor-01/27/2026 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 12.76 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 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 856235_xxxxxx_Statement_xxxxxx-_Nov14_to_Dec10_(EMDs)_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856235 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 15:03 | 2026-02-04 08:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Report. - Due Diligence Vendor-02/03/2026 <br> Counter-the condition is for Missing CBR dated 12.02.2025 - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Credit attached - Due Diligence Vendor-02/03/2026 <br> Open-Borrower 1 Credit Report is Missing. missing initial credit report dated 12/2/2025; credit in file is GAP credit dated 1/21/2026 - Due Diligence Vendor-01/30/2026 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 12.76 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 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 856235_xxxxxx_Creit_B1.pdf<br> 856235_xxxxxx_12-2_Credit.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856235 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 15:03 | 2026-02-04 08:26 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. VOR Attached. - Due Diligence Vendor-02/03/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR or equivalent for primary rent at xxxxxx, xxxxxx for $2,500/mth - Due Diligence Vendor-01/30/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 12.76 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 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 856235_xxxxxx_Rent_Receipts_(Jul_2025-Jan_2026)_.pdf<br> 856235_xxxxxx_Rent_Receipts_SHIP.pdf<br> 856235_xxxxxx_VOR_Completed.pdf<br> 856235_xxxxxx_VOR_SHIP.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856235 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 10:36 | 2026-02-03 08:13 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Loan Approval. - Due Diligence Vendor-02/03/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/27/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 12.76 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 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 856235_xxxxxx_856235_Final_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856235 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 10:08 | 2026-02-03 08:10 | 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-02/03/2026 <br> Ready for Review-Document Uploaded. Fraud Report attached. - Due Diligence Vendor-02/03/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/27/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 12.76 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 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 856235_xxxxxx_Fraud_Report_(Updated).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856235 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 14:24 | 2026-02-03 08:09 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-UCDP/SSR provided - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. UCDP / SSR's attached. - Due Diligence Vendor-02/03/2026 <br> Open-Missing 3rd party valuation per guidelines Appraisal review product required unless 2nd appraisal obtained. - Due Diligence Vendor-01/30/2026 |  | Resolved-UCDP/SSR provided - Due Diligence Vendor-02/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 12.76 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 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 856235_xxxxxx_SSR-_xxxxxx.pdf<br> 856235_xxxxxx_SSR-_xxxxxx_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856235 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 09:59 | 2026-02-03 08:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Purchase Contract Attached. - Due Diligence Vendor-02/03/2026 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-01/27/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 12.76 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 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 59% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 856235_xxxxxx_P&S_Addendum-_Commt_Ext.pdf<br> 856235_xxxxxx_Purchase_contract.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856319 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 10:28 | 2025-12-11 12:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 <br> Resolved- - Due Diligence Vendor-12/11/2025 <br> Ready for Review- - Due Diligence Vendor-12/11/2025 <br> Counter- - Due Diligence Vendor-12/11/2025 <br> Counter- - Due Diligence Vendor-12/11/2025 <br> Counter-Documentation is insufficient. Disclosure tracking indicates an Initial Loan Estimate was not included in the disclosures issued to the borrower on xxxxxx(within 3 days of the xxxxxx application date). Documentation provided indicates the first Loan Estimate issued to the borrower was on xxxxxx - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <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 $7,834.00.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). \*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~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-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.34% 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 - 18.12 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 - 25.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.45 Are Greater Than The Guideline Minimum Of 3 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 - 5.25 Years |  |  | 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 |
| 856319 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 10:28 | 2025-12-11 12:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 <br> Resolved- - Due Diligence Vendor-12/11/2025 <br> Ready for Review- - Due Diligence Vendor-12/11/2025 <br> Counter- - Due Diligence Vendor-12/11/2025 <br> Counter- - Due Diligence Vendor-12/11/2025 <br> Counter-Documentation is insufficient. Disclosure tracking indicates an Initial Loan Estimate was not included in the disclosures issued to the borrower on xxxxxx(within 3 days of the xxxxxx application date). Documentation provided indicates the first Loan Estimate issued to the borrower was on xxxxxx - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <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. \*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~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-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.34% 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 - 18.12 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 - 25.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.45 Are Greater Than The Guideline Minimum Of 3 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 - 5.25 Years |  |  | 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 |
| 856319 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 10:28 | 2025-12-11 12:57 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 <br> Resolved- - Due Diligence Vendor-12/11/2025 <br> Ready for Review- - Due Diligence Vendor-12/11/2025 <br> Counter- - Due Diligence Vendor-12/11/2025 <br> Counter- - Due Diligence Vendor-12/11/2025 <br> Counter-Documentation is insufficient. Disclosure tracking indicates an Initial Loan Estimate was not included in the disclosures issued to the borrower on xxxxxx(within 3 days of the xxxxxx application date). Documentation provided indicates the first Loan Estimate issued to the borrower was on xxxxxx - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <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. \*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~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-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.34% 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 - 18.12 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 - 25.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.45 Are Greater Than The Guideline Minimum Of 3 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 - 5.25 Years |  |  | 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 |
| 856319 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 10:28 | 2025-12-11 12:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 <br> Resolved- - Due Diligence Vendor-12/11/2025 <br> Ready for Review- - Due Diligence Vendor-12/11/2025 <br> Counter- - Due Diligence Vendor-12/11/2025 <br> Counter- - Due Diligence Vendor-12/11/2025 <br> Counter-Documentation is insufficient. Disclosure tracking indicates an Initial Loan Estimate was not included in the disclosures issued to the borrower on xxxxxx(within 3 days of the xxxxxx application date). Documentation provided indicates the first Loan Estimate issued to the borrower was on xxxxxx - Due Diligence Vendor-12/09/2025 <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% ($500.00) 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). \*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~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-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.34% 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 - 18.12 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 - 25.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.45 Are Greater Than The Guideline Minimum Of 3 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 - 5.25 Years |  |  | 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 |
| 856319 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 10:28 | 2025-12-11 12:57 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 <br> Resolved- - Due Diligence Vendor-12/11/2025 <br> Ready for Review- - Due Diligence Vendor-12/11/2025 <br> Counter- - Due Diligence Vendor-12/11/2025 <br> Counter- - Due Diligence Vendor-12/11/2025 <br> Counter-Documentation is insufficient. Disclosure tracking indicates an Initial Loan Estimate was not included in the disclosures issued to the borrower on xxxxxx(within 3 days of the xxxxxx application date). Documentation provided indicates the first Loan Estimate issued to the borrower was on xxxxxx - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <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. \*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~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-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.34% 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 - 18.12 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 - 25.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.45 Are Greater Than The Guideline Minimum Of 3 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 - 5.25 Years |  |  | 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 |
| 856319 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 10:28 | 2025-12-11 12:50 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 <br> Resolved- - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Counter-Documentation is insufficient. Disclosure tracking indicates an Initial Loan Estimate was not included in the disclosures issued to the borrower on xxxxxx(within 3 days of the xxxxxx application date). Documentation provided indicates the first Loan Estimate issued to the borrower was on xxxxxx. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. you may have missed or missing the entire closing package all conditions should be taken care of - Seller-12/08/2025 <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. \*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~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-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Ready for Review-Document Uploaded. you may have missed or missing the entire closing package all conditions should be taken care of - Seller-12/08/2025 | Resolved-\*\*\*Received Initial LE. - Due Diligence Vendor-12/11/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.34% 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 - 18.12 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 - 25.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.45 Are Greater Than The Guideline Minimum Of 3 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 - 5.25 Years |  | xxxxxx Closing.pdf<br> VERIFICATION OF RECEIPT OF CD - 2025-12-09T133305.260.pdf<br> REDISCLOSED LOAN ESTIMATE (55).pdf<br> CHANGE OF CIRCUMSTANCE - 2025-12-09T133036.248.pdf<br> INITIAL DISCLOSURE PACKAGE - 2025-12-09T132350.091.pdf | 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 |
| 856323 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-02 11:04 | 2025-12-19 08:03 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Per the below - TPR needs to pull recorded instruments directly from county in the state of xxxxxx to determine abbreviated legal is present (added by title rather than lender) - Due Diligence Vendor-12/19/2025 <br> Ready for Review-What do you need to clear since we do all our loans in this manner - Seller-12/18/2025 <br> Counter-Document Uploaded. Appears the title companies have been adding the missing information in your behalf (see attached recorded document - with page 1 abbreviated legal completed) -- countering solely to respond to the comment. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please verify we have always done it this way - Seller-12/17/2025 <br> Counter-The abbreviated legal description for this property is: xxxxxx (see prelim title report BIII, section 1). xxxxxx 65.04.045 The 1st page of the Deed of Trust must include the abbreviated or complete legal description must be on the first page. "See attached" is not acceptable. Please refer to the preliminary title report to obtain the missing information. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Please what we put "see exhibit A attached hereto". This is no different than all the other dees of trust we draw.<br>- Seller-12/16/2025 <br> Open-xxxxxx recording requirement: The 1st page of the Deed of Trust must include the abbreviated or complete legal description must be on the first page. "See attached" is not acceptable. - Due Diligence Vendor-12/02/2025 | Ready for Review-What do you need to clear since we do all our loans in this manner - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. Please verify we have always done it this way - Seller-12/17/2025 <br> Ready for Review-Please what we put "see exhibit A attached hereto". This is no different than all the other dees of trust we draw.<br>- Seller-12/16/2025 | Resolved-Per the below - TPR needs to pull recorded instruments directly from county in the state of xxxxxx to determine abbreviated legal is present (added by title rather than lender) - Due Diligence Vendor-12/19/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.69 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 29.25% 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 - 25.91 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 - 25.83 Years |  | We have always attached the legal description as Exhibit.docx<br> A.P.N. 202501-1-151-2007.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 |
| 856323 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-02 10:55 | 2025-12-15 08:38 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-<br> Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided<br> - Due Diligence Vendor-12/15/2025 <br> Resolved- - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Counter-xxxxxx Initial Loan Estimate disclosed a recording charge of xxxxxx, establishing a 10% baseline of xxxxxx. There is no documentation provided to support the recording charge increase to xxxxxx correlates to any valid change of circumstance event pursuant to § 1026.19(e)(3)(iv). - finding remains. 10% tolerance violation amount $97.31. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Counter-\*\*\*Received COC and copy of Revised LE, same copies are in the original file. The Excise tax moving to section E is typically not added or bulked together with the Deed/Mortgage recording fee. The Final CD indicates that the excise tax was paid by the seller with no portion paid by the borrower. Additionally, the final recording fee of the Deed and Mortgage was xxxxxx, which exceeds the threshold set by the initial baseline amount set for the recording fee that was initially disclosed to the borrower. Findings remain unresolved. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <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. \*\*\* Recording charges of xxxxxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxxxxx. Final charge to borrower is xxxxxx. There is no correlating "new" event evident (POA, etc.) to ratify the increase is valid change of circumstance. It appears the initial recording charges failed to include the cost of the warranty deed required in a purchase transaction. 10% tolerance cure in the amount of $97.31 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 | Cured-<br> Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided<br> - Due Diligence Vendor-12/15/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.69 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 29.25% 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 - 25.91 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 - 25.83 Years |  | REDISCLOSED LOAN ESTIMATE (54).pdf<br> CHANGE OF CIRCUMSTANCE - 2025-12-04T094158.715.pdf<br> RE_ xxxxxx.pdf<br> 10506 xxxxxx.pdf<br> post closing cd (002).pdf<br> xxxxxx FED X.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 |
| 856323 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-02 10:55 | 2025-12-15 08:38 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-<br> Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided<br> - Due Diligence Vendor-12/15/2025 <br> Counter- - Due Diligence Vendor-12/15/2025 <br> Counter-xxxxxx Initial Loan Estimate disclosed a recording charge of xxxxxx, establishing a 10% baseline of xxxxxx. There is no documentation provided to support the recording charge increase to xxxxxx correlates to any valid change of circumstance event pursuant to § 1026.19(e)(3)(iv). - finding remains. 10% tolerance violation amount $97.31. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Counter-\*\*\*Received COC and copy of Revised LE, same copies are in the original file. The Excise tax moving to section E is typically not added or bulked together with the Deed/Mortgage recording fee. The Final CD indicates that the excise tax was paid by the seller with no portion paid by the borrower. Additionally, the final recording fee of the Deed and Mortgage was xxxxxx, which exceeds the threshold set by the initial baseline amount set for the recording fee that was initially disclosed to the borrower. Findings remain unresolved. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <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. \*\*\* Recording charges of xxxxxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxxxxx. Final charge to borrower is xxxxxx. There is no correlating "new" event evident (POA, etc.) to ratify the increase is valid change of circumstance. It appears the initial recording charges failed to include the cost of the warranty deed required in a purchase transaction. 10% tolerance cure in the amount of $97.31 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 | Resolved-<br> Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided<br> - Due Diligence Vendor-12/15/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.69 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 29.25% 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 - 25.91 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 - 25.83 Years |  | REDISCLOSED LOAN ESTIMATE (54).pdf<br> CHANGE OF CIRCUMSTANCE - 2025-12-04T094158.715.pdf<br> RE_ 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 |
| 856323 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-02 10:55 | 2025-12-15 08:38 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-<br> Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided<br> - Due Diligence Vendor-12/15/2025 <br> Counter- - Due Diligence Vendor-12/15/2025 <br> Counter-xxxxxx Initial Loan Estimate disclosed a recording charge of xxxxxx, establishing a 10% baseline of xxxxxx. There is no documentation provided to support the recording charge increase to xxxxxx correlates to any valid change of circumstance event pursuant to § 1026.19(e)(3)(iv). - finding remains. 10% tolerance violation amount $97.31. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/09/2025 <br> Counter-\*\*\*Received COC and copy of Revised LE, same copies are in the original file. The Excise tax moving to section E is typically not added or bulked together with the Deed/Mortgage recording fee. The Final CD indicates that the excise tax was paid by the seller with no portion paid by the borrower. Additionally, the final recording fee of the Deed and Mortgage was xxxxxx, which exceeds the threshold set by the initial baseline amount set for the recording fee that was initially disclosed to the borrower. Findings remain unresolved. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <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% (xxxxxx) exceed the comparable charges (xxxxxx) 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). \*\*\* Recording charges of xxxxxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxxxxx. Final charge to borrower is xxxxxx. There is no correlating "new" event evident (POA, etc.) to ratify the increase is valid change of circumstance. It appears the initial recording charges failed to include the cost of the warranty deed required in a purchase transaction. 10% tolerance cure in the amount of $97.31 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025 | Cured-<br> Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided<br> - Due Diligence Vendor-12/15/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.69 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 29.25% 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 - 25.91 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 - 25.83 Years |  | REDISCLOSED LOAN ESTIMATE (54).pdf<br> CHANGE OF CIRCUMSTANCE - 2025-12-04T094158.715.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 |
| 856323 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-26 04:29 | 2025-11-26 04:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with compensating factors BORROWER DID NOT MEET THE FICO SCORE REQUIREMENT, NO REPORTED FICO. <br> - Due Diligence Vendor-11/26/2025 |  | Waived-Client Exception granted with compensating factors BORROWER DID NOT MEET THE FICO SCORE REQUIREMENT, NO REPORTED FICO. <br> - Due Diligence Vendor-11/26/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.69 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 29.25% 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 - 25.91 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 - 25.83 Years | LOW LTV, LOW DTI, 25+ months of 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 |
| 856333 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856335 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856337 | xxxxxx | B A | Closed | xxxxxx | 2025-12-03 06:16 | 2025-12-23 19:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Client exception granted with compensating factors to allow LTV of 80% when max is 75%. - Due Diligence Vendor-12/24/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% FOR LOAN AMOUNT > 1,500,000 - Due Diligence Vendor-12/24/2025 |  | Waived-Client Exception granted with compensating factors Client exception granted with compensating factors to allow LTV of 80% when max is 75%. - Due Diligence Vendor-12/24/2025 | Property Equity - Subject property has xxxxxx in additional equity not accounted for in qualifying LTV. LTV is based on sales price of xxxxxx and appraisal evidences value of xxxxxx supported by a valid secondary valuation.<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 711 & 708 FICO; 2) 0X30X20 HOUSING HISTORY |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856350 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856378 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856392 | xxxxxx | D A | Closed | xxxxxx | 2025-12-19 10:30 | 2025-12-23 07:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-IRS EIN Document provided - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. EIN - Due Diligence Vendor-12/23/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Lender to provide supporting documentation of EIN #xxxxxx is attached to xxxxxx and is active per IRS - Due Diligence Vendor-12/19/2025 |  | Resolved-IRS EIN Document provided - Due Diligence Vendor-12/23/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.68 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 - 14 Years |  | Full Review856392_xxxxxx_12_22_2025_24715_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856397 | xxxxxx | D A | Closed | xxxxxx | 2026-02-06 10:37 | 2026-02-09 14:42 | 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-02/09/2026 <br>Ready for Review-Document Uploaded. Please see attached UDN. xxxxxx! - Due Diligence Vendor-02/09/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/06/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/09/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.77% 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 39.17 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 806 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 856397_xxxxxx_UDN.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 |
| 856397 | xxxxxx | D A | Closed | xxxxxx | 2026-02-06 10:27 | 2026-02-09 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. Please see the attached Bank Statemen Worksheet. xxxxxx! - Due Diligence Vendor-02/09/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/06/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/09/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.77% 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 39.17 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 806 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 856397_xxxxxx_856397_Bank_Statements_Worksheet.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 |
| 856403 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856405 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856413 | 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 |  |  |  |
| 856538 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856549 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856555 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 12:32 | 2026-01-06 15:31 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. 1/5/26 - Please see CLA attached. This was sent in original upload. - Due Diligence Vendor-01/06/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/31/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/06/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 55.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 856555_xxxxxx_CLA_(5).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856555 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 11:57 | 2026-01-06 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. 1/5/26 - Lender responses: Note is dated xxxxxx - Hazard policy is in effect xxxxxx. Please see attached, all insurance dec page, invoice and RCE checklist- $1868.48 is the premium. - Due Diligence Vendor-01/06/2026 <br> Open-Missing Hazard Insurance Policy Provide Hazard Insurance Policy dated on or before closing with xxxxxx $1,68.48 annual premium - Due Diligence Vendor-12/31/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/06/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 55.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 856555_xxxxxx_AGD30869044---CHECKLIST--10490-Ebb-Tide-LN.pdf<br> 856555_xxxxxx_AGD30869044---DEC-PAGE---10490-Ebb-Tide-LN.pdf<br> 856555_xxxxxx_AGD30869044---INVOICE--10490-Ebb-Tide-LN.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856558 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-31 14:32 | 2026-01-05 08:26 | Resolved | 1 - Information B A | Compliance | Missing Doc | Loan program disclosure missing or unexecuted | Resolved-executed ACH form provided - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. ACH - Due Diligence Vendor-01/02/2026 <br>Open-File is missing AUTOMATIC PAYMENT AUTHORIZATION (ACH) FORM AND BORROWER CONTACT CONSENT forms. - Due Diligence Vendor-12/31/2025 |  | Resolved-executed ACH form provided - Due Diligence Vendor-01/05/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 856558_xxxxxx_ACH.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856558 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-30 14:22 | 2026-01-05 08:26 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. CTC - Due Diligence Vendor-01/02/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/30/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 856558_xxxxxx_CLA-CTC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856558 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-31 14:03 | 2026-01-05 08:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. 1/2/26 - please see uploaded complete purchase contract - Due Diligence Vendor-01/02/2026 <br>Open-Purchase Contract is Partial copy. The file is missing the purchase contract. The file only contains an addendum to the contract. - Due Diligence Vendor-12/31/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/05/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 856558_xxxxxx_Complete_purchase_contract.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856558 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-30 14:18 | 2026-01-05 08:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. 1/2/26 - Please see completed Bank statement uploaded - Due Diligence Vendor-01/02/2026 <br> Open-Asset 1 Missing Statment for xxxxxx with a balance of $250,499.24 is missign from the file. - Due Diligence Vendor-12/30/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-01/05/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 856558_xxxxxx_bank_statement_1822_$250499.24.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856574 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856589 | xxxxxx | B A | Closed | xxxxxx | 2026-01-29 11:50 | 2026-01-29 11:50 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived-Client Exception granted with compensating factors Allow expired EAD without I-94 document - Due Diligence Vendor-01/29/2026 |  | Waived-Client Exception granted with compensating factors Allow expired EAD without I-94 document - Due Diligence Vendor-01/29/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 126.72 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 756 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 |
| 856608 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856613 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856619 | xxxxxx | B A | Closed | xxxxxx | 2025-12-31 05:23 | 2026-01-05 08:28 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. CTC - Due Diligence Vendor-01/02/2026 <br>Open-1008/Underwriting Summary Not Provided Final 1008 not provided with document upload package. Please provide - Due Diligence Vendor-12/31/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  | 856619_xxxxxx_CLA-CTC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856621 | xxxxxx | C A | Closed | xxxxxx | 2026-01-22 15:58 | 2026-02-11 15:48 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-\*\*Received confirmation of the application date - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. uploaded the disclosure tracking & econsent to hopefully help clarify. the application was created xxxxxx, sent to borrower with initial disclosures on xxxxxx, borrower signed & viewed the document on xxxxxx, LO signed the initial app acknowledging on xxxxxx. - Due Diligence Vendor-02/10/2026 <br> Open-\*\*\*\* Documentation provided does not include confirmation of the borrowers application date. (LO signature date is only the date the LO acknowledged the URLA, not the date the lender received the 6 pieces of information required to trigger the application timing) A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-01/22/2026 |  | Resolved-\*\*Received confirmation of the application date - Due Diligence Vendor-02/11/2026 | 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 - 9.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.8 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<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<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 |  | 856621_xxxxxx_Disclosure_Tracking.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 |
| 856621 | xxxxxx | C A | Closed | xxxxxx | 2026-01-20 04:18 | 2026-02-10 14:02 | 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-02/10/2026 <br>Ready for Review-Document Uploaded. Please see UDM - Due Diligence Vendor-02/10/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/20/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/10/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.8 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<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<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 |  | 856621_xxxxxx_UDM.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 |
| 856623 | xxxxxx | B A | Closed | xxxxxx | 2025-12-31 05:23 | 2026-01-05 14:20 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-01/05/2026 <br>Open-1008/Underwriting Summary Not Provided Final 1008 missing from file - please provide - Due Diligence Vendor-12/31/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 856623_xxxxxx_CTC-CLA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856658 | 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 |  |  |  |
| 856709 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 12:23 | 2026-02-04 13:18 | 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-02/04/2026 <br>Ready for Review-Document Uploaded. Please see gap report - Due Diligence Vendor-02/03/2026 <br>Open-Borrower 1 Gap Credit Report is Missing . Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report as required no more than 30- days prior to loan closing or any time after closing. Credit report at the time of closing is over 90 days. - Due Diligence Vendor-01/30/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/04/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<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 - 5.04 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.18 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 41.64% 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 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 856709_xxxxxx_Credit_Refresh_Gap.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 |
| 856709 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 12:09 | 2026-02-03 07:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-02/02/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary . Provide Lender Bank Statement worksheet used to determine income as seen on the final 1003 of $12,884.07. - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/03/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<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 - 5.04 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.18 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 41.64% 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 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review856709_xxxxxx_xxxxxx_1_30_2026_32118_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 |
| 856710 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856725 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856742 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856761 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856765 | xxxxxx | D A | Closed | xxxxxx | 2026-01-26 14:18 | 2026-02-12 11:38 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM provided - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. Please see attached AVM secondary valuation. - Due Diligence Vendor-02/11/2026 <br>Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/26/2026 |  | Resolved-AVM provided - Due Diligence Vendor-02/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.44 Are Greater Than The Guideline Minimum Of 0 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<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 - 14.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.51% Is Below the Guideline Maximum Of 90% 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 - 13 Years |  | 856765_xxxxxx_CU_Report.pdf<br> 856765_xxxxxx_AVM_secondary_valuation.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 |
| 856767 | xxxxxx | B A | Closed | xxxxxx | 2026-01-26 00:54 | 2026-01-29 15:36 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-01/29/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/26/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 9.65 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 - 19.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 856767_xxxxxx_Loan_#856767_LDL-Report_UPDATED_1-13-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856774 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 856777 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856798 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856814 | xxxxxx | D A | Closed | xxxxxx | 2026-02-04 11:40 | 2026-02-05 09:57 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. Secondary evaluation - Due Diligence Vendor-02/04/2026 <br>Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-desk review provided - Due Diligence Vendor-02/05/2026 | 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO 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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 31.62% 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 Borrower At Current Residence For Five (5) Or More Years - 5 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | 856814_xxxxxx_CDA_(6).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 |
| 856814 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 09:55 | 2026-02-05 09:52 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. See UW approval - Due Diligence Vendor-02/04/2026 <br>Open-1008/Underwriting Summary Partially Provided Provide updated 1008 with correct income due to income DTI also is not matching - Due Diligence Vendor-01/30/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 | 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO 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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 31.62% 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 Borrower At Current Residence For Five (5) Or More Years - 5 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | 856814_xxxxxx_856814_Final_Notice_of_Loan_Approval_1-13-26.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 |
| 856814 | xxxxxx | D A | Closed | xxxxxx | 2026-02-03 09:03 | 2026-02-05 09:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 70% is less than or equal to Guideline CLTV of 70% - Due Diligence Vendor-02/05/2026 <br>Open-Audited CLTV of 70.1% exceeds Guideline CLTV of 70%. Provide exception documentation as applicable - Due Diligence Vendor-02/03/2026 |  | Resolved-Audited CLTV of 70% is less than or equal to Guideline CLTV of 70% - Due Diligence Vendor-02/05/2026 | 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO 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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 31.62% 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 Borrower At Current Residence For Five (5) Or More Years - 5 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 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 |
| 856814 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 09:26 | 2026-02-05 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. income worksheet - Due Diligence Vendor-02/04/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary used to calculate the borrower's final income figures - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/05/2026 | 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO 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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 31.62% 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 Borrower At Current Residence For Five (5) Or More Years - 5 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | 856814_xxxxxx_856814__xxxxxx_ANALYSIS.xlsx | 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 |
| 856818 | 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 |  |  |  |
| 856820 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856837 | 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 |  |  |  |
| 856842 | 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 |  |  |  |
| 856844 | xxxxxx | B A | Closed | xxxxxx | 2025-12-30 07:52 | 2026-01-10 11:38 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-01/10/2026 <br>Open-1008/Underwriting Summary Not Provided 1008 missing from final upload package - Due Diligence Vendor-12/31/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 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 14.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 856844_xxxxxx_Final_LoanPass_-_JG_-_122225.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856903 | xxxxxx | B A | Closed | xxxxxx | 2025-12-30 12:55 | 2026-01-05 09:25 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. See underwriting approval - Due Diligence Vendor-01/04/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/30/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 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 17.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 856903_xxxxxx_CLA-CTC.pdf<br> 856903_xxxxxx_CLA-CTC_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856905 | xxxxxx | B A | Closed | xxxxxx | 2026-01-22 22:51 | 2026-01-29 15:35 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-01/29/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/23/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.48 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 9.48 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 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 856905_xxxxxx_Loan_#856905_LDL-Report_UPDATED_1-8-2026.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856905 | xxxxxx | B A | Closed | xxxxxx | 2026-01-28 08:15 | 2026-01-28 08:15 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Client Exception granted with compensating factors No housing history exception pg 320 - Due Diligence Vendor-01/28/2026 |  | Waived-Client Exception granted with compensating factors No housing history exception pg 320 - Due Diligence Vendor-01/28/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.48 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 9.48 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 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856913 | xxxxxx | C A | Closed | xxxxxx | 2026-02-07 10:58 | 2026-02-10 10:10 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-02/09/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxxxxx which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/07/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026 | Resolved-\*\*Received PCCD - Due Diligence Vendor-02/10/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.29% 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 - 20.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 80 By Twenty (20) or More Points<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 - 10.22 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 - 45.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.22% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxxxxx PCCD.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 |
| 856942 | xxxxxx | C A | Closed | xxxxxx | 2026-02-04 09:32 | 2026-02-11 16:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received Initial and Revised CDs - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. initial cd and interim cd - Due Diligence Vendor-02/10/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the _Initial Closing Discloser is Missing Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/04/2026 |  | Resolved-\*\*Received Initial and Revised CDs - Due Diligence Vendor-02/11/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.6% 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 30.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.5% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Full Review856942_xxxxxx_2_9_2026_13734_PM.zip<br> 856942_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260106_173830.pdf<br> 856942_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260107_174433.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 |
| 856943 | 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 |  |  |  |
| 856953 | xxxxxx | C A | Closed | xxxxxx | 2026-02-10 12:34 | 2026-02-12 09:50 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD<br> - Due Diligence Vendor-02/12/2026 <br>Resolved- - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-02/10/2026 <br>Open- - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 | Resolved-Received PCCD<br> - Due Diligence Vendor-02/12/2026 | 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 - 8.18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.87 Are Greater Than The Guideline Minimum Of 0 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 - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 856955 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 16:33 | 2026-02-17 07:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 <br> Resolved- - Due Diligence Vendor-02/17/2026 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Documentation provided contains conflicting information regarding the Application Date. Please provide the date the lender received the 6 pieces of information required to trigger the application timing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/12/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,466.00) 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). - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<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 - 25.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% 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 773 is Greater Than The Guideline Minimum Of 720 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 - 40.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.95% Is Below the Guideline Maximum Of 90% 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 - 16 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 |
| 856955 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 16:33 | 2026-02-17 07:44 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 <br> Resolved- - Due Diligence Vendor-02/17/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Documentation provided contains conflicting information regarding the Application Date. Please provide the date the lender received the 6 pieces of information required to trigger the application timing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<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 - 25.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% 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 773 is Greater Than The Guideline Minimum Of 720 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 - 40.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.95% Is Below the Guideline Maximum Of 90% 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 - 16 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 |
| 856955 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 16:33 | 2026-02-17 07:44 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 <br> Resolved- - Due Diligence Vendor-02/17/2026 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Documentation provided contains conflicting information regarding the Application Date. Please provide the date the lender received the 6 pieces of information required to trigger the application timing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,125.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,250.00). 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). - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<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 - 25.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% 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 773 is Greater Than The Guideline Minimum Of 720 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 - 40.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.95% Is Below the Guideline Maximum Of 90% 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 - 16 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 |
| 856955 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 16:33 | 2026-02-17 07:44 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 <br> Resolved- - Due Diligence Vendor-02/17/2026 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Documentation provided contains conflicting information regarding the Application Date. Please provide the date the lender received the 6 pieces of information required to trigger the application timing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on xxxxxx pLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, 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. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<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 - 25.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% 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 773 is Greater Than The Guideline Minimum Of 720 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 - 40.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.95% Is Below the Guideline Maximum Of 90% 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 - 16 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 |
| 856955 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 16:33 | 2026-02-17 07:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 <br> Resolved- - Due Diligence Vendor-02/17/2026 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Documentation provided contains conflicting information regarding the Application Date. Please provide the date the lender received the 6 pieces of information required to trigger the application timing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $6,538.35.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<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 - 25.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% 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 773 is Greater Than The Guideline Minimum Of 720 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 - 40.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.95% Is Below the Guideline Maximum Of 90% 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 - 16 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 |
| 856955 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 16:33 | 2026-02-17 07:44 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 <br> Resolved- - Due Diligence Vendor-02/17/2026 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Documentation provided contains conflicting information regarding the Application Date. Please provide the date the lender received the 6 pieces of information required to trigger the application timing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<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 - 25.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% 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 773 is Greater Than The Guideline Minimum Of 720 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 - 40.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.95% Is Below the Guideline Maximum Of 90% 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 - 16 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 |
| 856955 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 16:33 | 2026-02-17 07:44 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 <br> Resolved- - Due Diligence Vendor-02/17/2026 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Documentation provided contains conflicting information regarding the Application Date. Please provide the date the lender received the 6 pieces of information required to trigger the application timing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Internal calendar showing closed for business on day after xxxxxx - Due Diligence Vendor-02/17/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<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 - 25.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% 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 773 is Greater Than The Guideline Minimum Of 720 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 - 40.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.95% Is Below the Guideline Maximum Of 90% 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 - 16 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 |
| 857015 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857137 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-03 22:41 | 2026-02-06 19:59 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-Questionnaire is fully present. - Due Diligence Vendor-02/07/2026 <br> Counter-The condition is for missing Condo Questionnaire - The xxxxxx is a xxxxxx. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Please see attached HOA documents. - Due Diligence Vendor-02/06/2026 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-02/04/2026 |  | Resolved-Questionnaire is fully present. - Due Diligence Vendor-02/07/2026 | 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 Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 857137_xxxxxx_HOA_Cert.pdf<br> 857137_xxxxxx_HOA_Letter.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 |
| 857137 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-05 09:01 | 2026-02-05 09:01 | Waived | 2 - Non-Material B | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client Exception granted with compensating factors Businesses opened less than 2 years ago. Exception pg 385 - Due Diligence Vendor-02/05/2026 |  | Waived-Client Exception granted with compensating factors Businesses opened less than 2 years ago. Exception pg 385 - Due Diligence Vendor-02/05/2026 | Residual Income Greater Than Minimum Guideline Requirement - Residual income exceeds guideline minimum by 2.5x<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 Qualifying FICO Of 731 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 | Investor Post-Close | No | xxxxxx |
| 857166 | 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 |  |  |  |
| 857175 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857178 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 18:53 | 2026-01-28 13:02 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Resolved-Appraisal has been provided - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-Appraisal is Missing Missing appraisal with rent comparable - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026 | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Resolved-Appraisal has been provided - Due Diligence Vendor-01/13/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3570.4 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 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | APPRAISAL.pdf<br> xxxxxx ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857179 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-10 05:00 | 2026-01-28 13:24 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-Appraisal is Missing Provide Appraisal 1073 w 1007 Document for subject Property at xxxxxx, with Appraised Value xxxxxx. - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026 | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3616.82 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 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | APPRAISAL.pdf<br> xxxxxx ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857179 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-14 08:08 | 2026-01-16 13:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3616.82 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 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.14. | EXCEPTION FORM.pdf<br> xxxxxx EXCEPTION GUIDELINE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857179 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-10 06:26 | 2026-01-10 06:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.- Due Diligence Vendor-01/10/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.- Due Diligence Vendor-01/10/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3616.82 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 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.14. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857179 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-10 06:25 | 2026-01-10 06:25 | Waived | 2 - Non-Material B | Credit | Title | Potential Ownership issues identified in file | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 43.34% OWNER OCCUPIED UNITS. - Due Diligence Vendor-01/10/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 43.34% OWNER OCCUPIED UNITS. - Due Diligence Vendor-01/10/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3616.82 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 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.14. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857182 | xxxxxx | D B C A | Closed | xxxxxx | 2026-03-25 09:44 | 2026-03-25 09:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 <br>Open-Condo project has less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2812.8 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 | Originator Pre-Close | Yes | xxxxxx |
| 857182 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-09 21:20 | 2026-01-28 13:36 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-Appraisal is Missing Appraisal with rent comparable schedule is missing - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026 | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2812.8 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | APPRAISAL.pdf<br> xxxxxx ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857182 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-14 08:37 | 2026-01-16 13:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2812.8 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.00 | EXCEPTION FORM.pdf<br> xxxxxx GUIDELINE EXCEPTION.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857182 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-09 04:45 | 2026-01-09 04:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/09/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2812.8 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | · All consumer credit paid as agreed in the most recent 12 months. <br> · Borrower exceeds minimum credit score requirement by 142 points. <br> · Current LTV is 15% less than max allowed. <br> · DSCR ratio of 1.00. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857183 | xxxxxx | D B C A | Closed | xxxxxx | 2026-03-25 09:48 | 2026-03-25 09:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 <br>Open-Condo project has less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2980.51 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 802 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857183 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-14 08:13 | 2026-01-28 13:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 | Waived-Client Exception granted with compensating factors Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2980.51 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 802 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.04 | EXCEPTION FORM.pdf<br> xxxxxx EXCEPTION GUIDELINE.pdf<br> xxxxxx ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857183 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-10 02:23 | 2026-01-14 08:13 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Page 13 - Seller-01/13/2026 <br>Open-Appraisal is Missing Appraisal with rent comparable schedule is missing - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. Page 13 - Seller-01/13/2026 | Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2980.51 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 802 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857183 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-09 05:44 | 2026-01-09 05:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.- Due Diligence Vendor-01/09/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.- Due Diligence Vendor-01/09/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2980.51 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 802 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | · All consumer credit paid as agreed in the most recent 12 months. <br> · Borrower exceeds minimum credit score requirement by 142 points. <br> · Current LTV is 15% less than max allowed. <br> · DSCR ratio of 1.04. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857231 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-19 11:39 | 2026-02-22 09:32 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved- - Due Diligence Vendor-02/22/2026 <br>Ready for Review-Document Uploaded. See attached complete appraisal. - Due Diligence Vendor-02/22/2026 <br>Open-Appraisal pages are cut off, provide full pages of the appraisal. - Due Diligence Vendor-02/19/2026 |  |  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.38 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 788 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 0.04<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 - 5.51 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - <br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.47 Years |  | 857231_xxxxxx_APPRAISAL_LEGAL_SIZE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857231 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-13 06:52 | 2026-02-15 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-newly closed Loan, Final CD (escrowed) provided - Due Diligence Vendor-02/15/2026 <br> Ready for Review-Document Uploaded. Loan just closed xxxxxx. Final CD provided. - Due Diligence Vendor-02/15/2026 <br> Open-provide mortgage statement or closing statement for xxxxxx, new xxxxxx xxxxxx<br> - Due Diligence Vendor-02/13/2026 |  | Resolved-newly closed Loan, Final CD (escrowed) provided - Due Diligence Vendor-02/15/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.38 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 788 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 0.04<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 - 5.51 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - <br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.47 Years |  | 857231_xxxxxx_final_CD_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857233 | xxxxxx | D A | Closed | xxxxxx | 2026-02-10 09:45 | 2026-02-13 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. bank statement worksheet - Due Diligence Vendor-02/13/2026 <br>Counter-no attachment provided, please re-upload - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Bank statement worksheet (no attachment provided) - Due Diligence Vendor-02/11/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/10/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/13/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 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 - 16.06 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.71% 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 36.48% 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 - 16.06 Years |  | 857233_xxxxxx_857233__xxxxxx_ANALYSIS_11.30.2025_(1).xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857233 | xxxxxx | D A | Closed | xxxxxx | 2026-02-10 10:43 | 2026-02-12 11:46 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. UW approval - Due Diligence Vendor-02/11/2026 <br>Open-1008/Underwriting Summary Partially Provided Missing final 1008 - Due Diligence Vendor-02/10/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/12/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 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 - 16.06 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.71% 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 36.48% 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 - 16.06 Years |  | 857233_xxxxxx_857233_ldl-report_130202611183_111803.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 |
| 857274 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857284 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857295 | xxxxxx | D A | Closed | xxxxxx | 2026-02-16 13:07 | 2026-02-19 13:21 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Expired | Resolved-Asset 3 Not Expired Or Not Applicable - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Bank account - Due Diligence Vendor-02/19/2026 <br> Open-Asset 3 Expired . Provide updated statement from xxxxxx retirement account. AT the time of review the statement provided ended 9/30/2025 and is expired at 132 days. - Due Diligence Vendor-02/16/2026 |  | Resolved-Asset 3 Not Expired Or Not Applicable - Due Diligence Vendor-02/19/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.27% 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 41.08 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 - 7.10 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 857295_xxxxxx_statement_12-31-25.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857295 | xxxxxx | D A | Closed | xxxxxx | 2026-02-16 12:32 | 2026-02-19 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-EIN # provided - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. See W9 for EIN - Due Diligence Vendor-02/19/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN . Provide IRS Business Entity Form to evidence the EIN as it was not provided at the time of review for xxxxxx. - Due Diligence Vendor-02/16/2026 |  | Resolved-EIN # provided - Due Diligence Vendor-02/19/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.27% 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 41.08 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 - 7.10 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 857295_xxxxxx_W9.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857300 | 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 |  |  |  |
| 857301 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857308 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 00:59 | 2026-01-30 14:43 | 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-01/30/2026 <br> Ready for Review-Document Uploaded. 1/30/26 - please see attached - Due Diligence Vendor-01/30/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower #1 Gap Credit Report is Missing - Per guidelines: 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-01/27/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/30/2026 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 21.99 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 857308_xxxxxx_PreClose_01.29.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 |
| 857308 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 00:59 | 2026-01-30 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. 1/30/26 - please see attached - Due Diligence Vendor-01/30/2026 <br>Open-Borrower 2 Gap Credit Report is Missing Borrower #2 Gap Credit Report is Missing - Per guidelines: 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-01/27/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/30/2026 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 21.99 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 857308_xxxxxx_PreClose_01.29.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 |
| 857313 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857317 | 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 |  |  |  |
| 857318 | xxxxxx | B A | Closed | xxxxxx | 2026-01-23 16:55 | 2026-02-05 15:51 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. 2/4/26 - please see attached 1008 - Due Diligence Vendor-02/05/2026 <br> Open-1008/Underwriting Summary Partially Provided Lender DSCR rate of .88% listed on 1008 and Rate Lock does not match QC validated DSCR rate of 1.017 (Market Rents 1007)$2495/(PITIA)$2454.33 - Due Diligence Vendor-01/23/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.39 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 - 7 Years |  | 857318_xxxxxx_xxxxxx_xxxxxx_LT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857319 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 05:10 | 2026-02-26 11:28 | 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-02/26/2026 <br>Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-02/25/2026 <br>Open-Missing Third Party Fraud Report Missing 3rd party fraud report from file upload - please provide.<br> - Due Diligence Vendor-02/24/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/26/2026 | 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 - 14.13 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 - 15.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 857319_xxxxxx_Pages_357_-_383_Credit_Package.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 |
| 857320 | xxxxxx | C A | Closed | xxxxxx | 2026-03-03 15:21 | 2026-03-09 08:36 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received revised LE - Due Diligence Vendor-03/09/2026 <br> Resolved- - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. LE and COC - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. Lock extended on xxxxxx however Missing Locked LE/CD \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 |  | Resolved-\*\*\*Received revised LE - Due Diligence Vendor-03/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 19.3% 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 Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 34.53 Are Greater Than The Guideline Minimum Of 0 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 |  | Full Review857320_xxxxxx_3_5_2026_123735_PM.zip<br> 857320_xxxxxx_Lock_LE_xxxxxx.pdf<br> 857320_xxxxxx_COC_Rate_Change_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 |
| 857337 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857341 | xxxxxx | B A | Closed | xxxxxx | 2026-01-21 13:33 | 2026-01-26 14:02 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. 1/23/26 - please see attached that was already in original submission - Due Diligence Vendor-01/26/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/21/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/26/2026 | 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 123.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.47% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 857341_xxxxxx_CLA_(8).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857343 | xxxxxx | B A | Closed | xxxxxx | 2026-02-24 16:08 | 2026-02-26 13:32 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Please find the UW Approval uploaded. xxxxxx! - Due Diligence Vendor-02/25/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/24/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/26/2026 | 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 - 15.50 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 - 8.12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.6 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 - 19.18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.4% 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 - 18.58 Years |  | 857343_xxxxxx_857343_Final_Notice_of_Loan_Approval_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 |
| 857345 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857360 | xxxxxx | D A | Closed | xxxxxx | 2026-02-10 15:42 | 2026-02-12 18:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-validated - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-02/12/2026 <br> Counter-no attachment provided, please re-upload - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Bank statement worksheet (no attachment provided) - Due Diligence Vendor-02/11/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary for SE business income used for xxxxxx Bank statement income - Due Diligence Vendor-02/10/2026 |  | Resolved-validated - Due Diligence Vendor-02/12/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 660 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 11.85 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 23.93% 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.35 Years |  | 857360 xxxxxx ANALYSIS 1-7-25 SMM.xlsx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857360 | xxxxxx | D A | Closed | xxxxxx | 2026-02-10 17:20 | 2026-02-12 11:48 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. Underwriting approval - Due Diligence Vendor-02/11/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/10/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/12/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 660 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 11.85 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 23.93% 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.35 Years |  | 857360_xxxxxx_Loan_#857360_LDL-Report_1-27-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857388 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-25 10:04 | 2026-03-25 10:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow GBL exposure that exceeds guideline maximum of $5,000,000. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.- Due Diligence Vendor-03/25/2026 <br> Open-GBL exposure to condo project exceeds maximum $5,000,000 - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow GBL exposure that exceeds guideline maximum of $5,000,000 - Due Diligence Vendor-03/25/2026 | 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1026.43 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 | Originator Pre-Close | Yes | xxxxxx |
| 857388 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 02:18 | 2026-01-16 13:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. <br> - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. There is an exception form in the files for this - Seller-01/14/2026 <br> Counter-Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only.<br> - Due Diligence Vendor-01/13/2026 <br> Ready for Review-What do you need for this? - Seller-01/13/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. There is an exception form in the files for this - Seller-01/14/2026 <br> Ready for Review-What do you need for this? - Seller-01/13/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. <br> - Due Diligence Vendor-01/16/2026 | 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1026.43 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 40 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.62 | EXCEPTION FORM.pdf<br> Guideline Exception Form xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857388 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 04:59 | 2026-01-13 16:28 | 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-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-Missing Third Party Fraud Report in file. Provided only xxxxxx one page - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/13/2026 | 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1026.43 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | EXCEPTION FORM.pdf<br> ADV-120 REPORT - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857388 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 03:22 | 2026-01-12 03:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors to allow GBL exposure that exceeds guideline maximum of $5,000,000. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.- Due Diligence Vendor-03/25/2026 <br> Open-GBL exposure to condo project exceeds maximum $5,000,000 - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow GBL exposure that exceeds guideline maximum of $5,000,000. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.- Due Diligence Vendor-03/25/2026 | 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1026.43 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 | Originator Pre-Close | Yes | xxxxxx |
| 857389 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 04:21 | 2026-01-28 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026 | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/13/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 417.55 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 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 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | ADV-120 REPORT - xxxxxx.pdf<br> xxxxxx ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857389 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 04:10 | 2026-01-16 13:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Counter-Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 417.55 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 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 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Reserves exceed minimum required of 2 months, and borrower has 355.75 months available in reserves<br> Borrower is using Business funds which he has 100% ownership<br> Borrower is purchasing xxxxxx units in the same newly constructed building<br> DSCR ratios at 1.60 | EXCEPTION FORM.pdf<br> EXCEPTION FORM (1).pdf<br> Guideline Exception Form xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857390 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 11:26 | 2026-03-25 11:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow GBL exposure that exceeds guideline maximum of $5,000,000. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-03/25/2026 <br> Open-GBL exposure to condo project exceeds maximum $5,000,000 - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow GBL exposure that exceeds guideline maximum of $5,000,000. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-03/25/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 324.68 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857390 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-12 02:54 | 2026-01-16 13:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Counter-The Approved Exception form does not address the builder being in control - DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Counter-Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-The Builder is in control of the HOA Updated As Per Appraisal. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 324.68 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | Reserves exceed minimum required of 2 months, borrower has 355.75 months available in reserves<br> Borrower is using Business funds which he has 100% ownership<br> Borrower is purchasing xxxxxx units in the same newly constructed building<br> DSCR ratios at 1.34 | EXCEPTION FORM.pdf<br> EXCEPTION FORM.pdf<br> Guideline Exception Form xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857390 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-12 03:58 | 2026-01-12 03:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived-Client Exception granted with compensating factors XCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS. - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factors XCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS. - Due Diligence Vendor-01/12/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 324.68 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | Reserves exceed minimum required of 2 months. Borrower has 355.75 months available in reserves.<br> Borrower is using Business funds which he has 100% ownership<br> Borrower is purchasing xxxxxx Units in the same newly constructed building<br> DSCR ratios at 1.43% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857392 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 03:29 | 2026-01-16 13:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Counter-The Approved Exception form does not address the builder being in control - DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Counter-DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-The Builder is in control of the HOA - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 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 322.22 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 40 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.33 | EXCEPTION FORM.pdf<br> EXCEPTION FORM (1).pdf<br> Guideline Exception Form xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857392 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 03:20 | 2026-01-14 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-Title Document is missing - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026 | Resolved-Title Document is fully Present - Due Diligence Vendor-01/14/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 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 322.22 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | PRELIM TITLE REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857392 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 03:54 | 2026-01-12 03:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.- Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.- Due Diligence Vendor-01/12/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 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 322.22 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857392 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 03:53 | 2026-01-12 03:53 | Waived | 2 - Non-Material B | Credit | Title | Potential Ownership issues identified in file | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/12/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 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 322.22 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857395 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-19 17:32 | 2026-01-29 14:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION ON PROJECT UNDER BUILDER DEVELOPER CONTROL - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Open-DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. Missing Approved Exception form - Due Diligence Vendor-01/23/2026 <br> Rescinded-The Builder is in control of the HOA Accepted on case by case baisis - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION ON PROJECT UNDER BUILDER DEVELOPER CONTROL - Due Diligence Vendor-01/29/2026 <br> Rescinded-The Builder is in control of the HOA Accepted on case by case baisis - Due Diligence Vendor-01/19/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 372.24 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 40 points. <br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.62. | Guideline Exception Form (0087).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857395 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-17 10:51 | 2026-01-23 12:14 | 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-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide Operating Agreement of the " xxxxxx " for Verify Ownership in the Business. - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026 | Resolved-Entity documents provided. - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 372.24 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | LLC OPERATING AGREEMENT & DOCUMENTS - VESTING.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857395 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-19 17:46 | 2026-01-23 12:14 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-CPA letter saying Bwr's is 100% owner of xxxxxx. - which maintains a business account at xxxxxx Bank (xxxxxx). - Ownership: xxxxxx xxxxxx is a 100% owner of xxxxxx. The use of these funds for the referenced transaction will not have an adverse effect on the ongoing operations, financial stability, or obligations of the business. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Verification of Borrower's Business ownership percentage is missing for xxxxxx and xxxxxx. Access letter for all additional business owners and evidence withdrawl will not harm business via CPA letter, cash flow anaylysis or balance sheet. - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026 | Resolved-CPA letter saying Bwr's is 100% owner of xxxxxx. - which maintains a business account at xxxxxx Bank (xxxxxx). - Ownership: Mr. xxxxxx is a 100% owner of xxxxxx. The use of these funds for the referenced transaction will not have an adverse effect on the ongoing operations, financial stability, or obligations of the business. - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 372.24 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | LLC OPERATING AGREEMENT & DOCUMENTS - VESTING 2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857395 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-19 17:43 | 2026-01-23 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Attached is the CPA letter for xxxxxx xxxxxx. Account xxxxxx and xxxxxx were not used for asset requirements. Assets from xxxxxx xxxxxx are enough to cover funds to close and reserves.<br>- Seller-01/22/2026 <br> Open-Asset 4 Missing Gift documentation in the amount of $1,000,000 is missing from the file. - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. Attached is the CPA letter for xxxxxx xxxxxx. Account xxxxxx and xxxxxx were not used for asset requirements. Assets from xxxxxx xxxxxx are enough to cover funds to close and reserves.<br>- Seller-01/22/2026 | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 372.24 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | CPA Letter - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857395 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-17 09:11 | 2026-01-23 12:07 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Appraisal is Missing Provide Appraisal Report with Value xxxxxx, For the Subject Property Located At xxxxxx. - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026 | Resolved-Appraisal has been provided - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 372.24 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857395 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-17 10:43 | 2026-01-19 17:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. - EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT.<br> - EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/17/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. - EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT.<br> - EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 372.24 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857411 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857456 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857489 | xxxxxx | B A | Closed | xxxxxx | 2025-12-29 05:40 | 2025-12-29 05:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL TO USE CURRENT LEASE OF $1,691 WITH DSCR RATIO OF 1.00. - Due Diligence Vendor-12/29/2025 |  | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL TO USE CURRENT LEASE OF $1,691 WITH DSCR RATIO OF 1.00. - Due Diligence Vendor-12/29/2025 | Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 5+ 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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.75 Years | · Reserves exceed minimum required by at least 3 months.<br> · All consumer credit paid as agreed in the most recent 12 months.<br> · 100% borrower funds used.<br> · Borrower exceeds minimum credit score requirement by 93 points. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857489 | xxxxxx | B A | Closed | xxxxxx | 2025-12-29 05:39 | 2025-12-29 05:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Client Exception granted with compensating factors XCEPTION APPROVAL IS REQUIRED FOR TRANSFER APPRAISAL, THAT IS MORE THAN 45 DAYS UPON LOAN SUBMISSION. GUIDELINES REQUIRE MAX 45 DAYS FOR TRANSFER APPRAISAL UPON LOAN SUBMISSION - Due Diligence Vendor-12/29/2025 |  | Waived-Client Exception granted with compensating factors XCEPTION APPROVAL IS REQUIRED FOR TRANSFER APPRAISAL, THAT IS MORE THAN 45 DAYS UPON LOAN SUBMISSION. GUIDELINES REQUIRE MAX 45 DAYS FOR TRANSFER APPRAISAL UPON LOAN SUBMISSION - Due Diligence Vendor-12/29/2025 | Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 5+ 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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.75 Years | • Reserves exceed minimum required by at least 3 months.<br> • All consumer credit paid as agreed in the most recent 12 months.<br> • 100% borrower funds used.<br> • Borrower exceeds minimum credit score requirement by 93 points. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857489 | xxxxxx | B A | Closed | xxxxxx | 2025-12-29 05:37 | 2025-12-29 05:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 80% exceeds Guideline LTV of 75% EXCEPTION APPROVAL IS REQUIRED TO RETAIN LTV AT 80%.<br> GUIDELINES REQUIRE 5% REDUCTION FOR FIRST TIME INVESTOR WITH MAX 75% LTV - Due Diligence Vendor-12/29/2025 |  | Waived-Client Exception granted with compensating factors Audited LTV of 80% exceeds Guideline LTV of 75% EXCEPTION APPROVAL IS REQUIRED TO RETAIN LTV AT 80%.<br> GUIDELINES REQUIRE 5% REDUCTION FOR FIRST TIME INVESTOR WITH MAX 75% LTV - Due Diligence Vendor-12/29/2025 | Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 5+ 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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.75 Years | · Reserves exceed minimum required by at least 3 months.<br> · All consumer credit paid as agreed in the most recent 12 months.<br> · 100% borrower funds used.<br> · Borrower exceeds minimum credit score requirement by 93 points |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857502 | xxxxxx | B A | Closed | xxxxxx | 2026-02-04 13:36 | 2026-02-05 12:30 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client Exception granted with compensating factors Income and Employment Do Not Meet Guidelines YTD earnings are greater than 10% below what is being used to qualify (14%)<br> Exception #343 - Due Diligence Vendor-02/04/2026 |  | Waived-Client Exception granted with compensating factors Income and Employment Do Not Meet Guidelines YTD earnings are greater than 10% below what is being used to qualify (14%)<br> Exception #343 - Due Diligence Vendor-02/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.17 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 35.2% 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 - 13.62 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 - 13.61 Years | \* Residual income more than 2.5x the amount required by guidelines<br> \* DTI<= 36% which is below requirement in guidelines<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* DTI<= 36% which is below requirement in 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 |
| 857517 | 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 |  |  |  |
| 857519 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857521 | 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 |  |  |  |
| 857524 | xxxxxx | B A | Closed | xxxxxx | 2026-02-10 09:15 | 2026-02-10 09:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 85% exceeds Guideline LTV of 80% Exception in file for 85% LTV - Due Diligence Vendor-02/10/2026 |  | Waived-Client Exception granted with compensating factors Audited LTV of 85% exceeds Guideline LTV of 80% Exception in file for 85% LTV - Due Diligence Vendor-02/10/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 17.78 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 - 30.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 741 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 19.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 19.97% 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 - 6.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.17 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  |  | 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 |
| 857531 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857532 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857540 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 13:15 | 2026-03-25 13:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow xxxxxx as is. Per appraiser, the property is equipped with a xxxxxx as well as xxxxxx and does not impact property marketability. - Due Diligence Vendor-03/25/2026 <br> Open-Subject property is missing a full size xxxxxx required by guideline. - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow xxxxxx as is. Per appraiser, the property is equipped with a xxxxxx as well as combination xxxxxx and does not impact property marketability. - Due Diligence Vendor-03/25/2026 | Investment Property DSCR Exceeds 1.15 - .<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857540 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 08:20 | 2026-01-26 08:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. Condo<br> This project needs to have an exception request submitted investor concentration. Evidence of the long-term high investor concentration is included in the HOA Certification document attached. - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. Condo<br> This project needs to have an exception request submitted investor concentration. Evidence of the long-term high investor concentration is included in the HOA Certification document attached. - Due Diligence Vendor-01/26/2026 | Investment Property DSCR Exceeds 1.15 - .<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.15<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br>|  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857557 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857568 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857574 | 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 |  |  |  |
| 857583 | xxxxxx | D A | Closed | xxxxxx | 2026-01-26 02:16 | 2026-01-28 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. - Seller-01/28/2026 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Dwelling coverage amount is missing in the hazard insurance document - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/28/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 230.16 Are Greater Than The Guideline Minimum Of 3 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 - 18.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxxxxx xxxxxx HOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857588 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 09:32 | 2026-02-24 11:16 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. See attached WVOE. - Due Diligence Vendor-02/23/2026 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided. Paystub from County of xxxxxx in file - Due Diligence Vendor-02/12/2026 |  | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-02/24/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.08 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 - 12.07 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 73.13 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 35.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.43% 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 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 740 By Twenty (20) or More Points Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 857588_xxxxxx_YTD_earnings.pdf<br> 857588_xxxxxx_bwr_#1_pay.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 |
| 857588 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 09:32 | 2026-02-24 11:16 | Resolved | 1 - Information C A | Credit | Income | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower 2 Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. For bwr #2 we have a full voe and paystub. - Due Diligence Vendor-02/23/2026 <br> Open-Borrower 2 Paystubs Less Than 1 Month Provided. Paystub from xxxxxx 11/9/2025-11/22/2025 - Due Diligence Vendor-02/12/2026 |  | Resolved-Borrower 2 Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/24/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.08 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 - 12.07 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 73.13 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 35.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.43% 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 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 740 By Twenty (20) or More Points Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 857588_xxxxxx_B2_income.pdf<br> 857588_xxxxxx_VOE_YTD_earnings.pdf<br> 857588_xxxxxx_bwr_#2_paystub_and_full_voe.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 |
| 857588 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 10:41 | 2026-02-15 07:48 | 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-02/15/2026 <br>Ready for Review-Document Uploaded. Page 2 for Fraud has UDN for B1 and B2. - Due Diligence Vendor-02/15/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Provide GAP Credit Report for the Borrower with in 30 days from the Note Date. - Due Diligence Vendor-02/12/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/15/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.08 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 - 12.07 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 73.13 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 35.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.43% 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 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 740 By Twenty (20) or More Points Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 857588_xxxxxx_Fraud_report.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 |
| 857588 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 10:41 | 2026-02-15 07:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/15/2026 <br>Ready for Review-Document Uploaded. Page 2 for Fraud has UDN for B1 and B2. - Due Diligence Vendor-02/15/2026 <br>Open-Borrower 2 Gap Credit Report is Missing Provide GAP Credit Report for the Co- Borrower with in 30 days from the Note Date. - Due Diligence Vendor-02/12/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/15/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.08 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 - 12.07 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 73.13 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 35.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.43% 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 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 740 By Twenty (20) or More Points Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 857588_xxxxxx_Fraud_report.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 |
| 857592 | 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 |  |  |  |
| 857688 | 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 |  |  |  |
| 857700 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857710 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857728 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857742 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857743 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 06:14 | 2026-02-13 07:57 | Resolved | 1 - Information C A | Compliance | State Reg | xxxxxx Per Diem Interest Amount Test | Resolved-Received PCCD - Due Diligence Vendor-02/13/2026 <br> Rescinded- - Due Diligence Vendor-02/13/2026 <br> Rescinded-This loan failed the per diem interest amount test. (xxxxxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($554.15) exceeds the per diem interest charge or credit threshold ($1.00).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Received PCCD - Due Diligence Vendor-02/13/2026 <br> Rescinded-This loan failed the per diem interest amount test. (xxxxxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($554.15) exceeds the per diem interest charge or credit threshold ($1.00).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-02/12/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.96% Is Less Than The Guideline Maximum Of 50% 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 80% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857743 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 06:14 | 2026-02-13 07:57 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD - Due Diligence Vendor-02/13/2026 <br> Resolved- - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-02/12/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxxxxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-02/12/2026 | Resolved-Received PCCD - Due Diligence Vendor-02/13/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.96% Is Less Than The Guideline Maximum Of 50% 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 80% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxxxxx_PCCD.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 |
| 857758 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857761 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857767 | 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 |  |  |  |
| 857800 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857864 | 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 |  |  |  |
| 857870 | xxxxxx | B A | Closed | xxxxxx | 2026-01-23 09:32 | 2026-01-23 09:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 80% exceeds Guideline LTV of 75% Allow LTV to 80% (Max 75% for non-perm) - Due Diligence Vendor-01/23/2026 |  | Waived-Client Exception granted with compensating factors Audited LTV of 80% exceeds Guideline LTV of 75% Allow LTV to 80% (Max 75% for non-perm) - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.2 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 742 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 - 6.41 Years | Credit Score 30+ points > minimum required<br> DSCR > 1.3 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857874 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857876 | xxxxxx | D A | Closed | xxxxxx | 2026-03-04 11:03 | 2026-03-06 17:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attorney letter - Due Diligence Vendor-03/05/2026 <br>Open-Right To Choose Attorney or Attorney Preference Not In File \*\*\*\*\*\*\*Please provide entire initial disclosure package for review - Due Diligence Vendor-03/04/2026 |  | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying is Greater Than The Guideline Minimum 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 Is Below The Guideline Maximum 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 Is Less Than The Guideline Maximum Calculated DTI Of 44.04% 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 Are Greater Than The Guideline Minimum Months Reserves Of 11.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 857876_xxxxxx_right_to_choose_attorney.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 |
| 857876 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 02:16 | 2026-03-05 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 missing. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see UDN - Due Diligence Vendor-03/05/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. Per GL it's required to be obtained. - Due Diligence Vendor-03/03/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying is Greater Than The Guideline Minimum 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 Is Below The Guideline Maximum 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 Is Less Than The Guideline Maximum Calculated DTI Of 44.04% 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 Are Greater Than The Guideline Minimum Months Reserves Of 11.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 857876_xxxxxx_UDN.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 |
| 857876 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 05:39 | 2026-03-05 12:20 | 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-03/05/2026 <br>Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-03/05/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/03/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying is Greater Than The Guideline Minimum 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 Is Below The Guideline Maximum 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 Is Less Than The Guideline Maximum Calculated DTI Of 44.04% 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 Are Greater Than The Guideline Minimum Months Reserves Of 11.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 857876_xxxxxx_BSA_-_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 |
| 857883 | xxxxxx | D A | Closed | xxxxxx | 2026-01-19 13:19 | 2026-02-04 06:58 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. DOT with PUD rider. - Due Diligence Vendor-02/03/2026 <br> Open-PUD Rider is Missing. Per apprisal, property is a PUD in xxxxxx with $35 per month HOA fees. - Due Diligence Vendor-01/21/2026 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-02/04/2026 | 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 Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 857883_xxxxxx_Replacement_Deed_of_Trust.pdf<br> 857883_xxxxxx_Replacement_Deed_of_Trust_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857886 | xxxxxx | D A | Closed | xxxxxx | 2026-01-16 07:41 | 2026-01-22 12:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Credit Supplement provided stating: NO DELINQUENCIES IN LIFE OF LOAN - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see provided PITIA. xxxxxx! - Due Diligence Vendor-01/21/2026 <br> Counter-Missing pay history for property located at xxxxxx - Lender did provide First payment Letter (escrowed) Property report, Final CD dated xxxxxx, Note, tax cert, HOI policy and xxxxxx cert. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see provided PITIA. xxxxxx! - Due Diligence Vendor-01/20/2026 <br> Open-. Provide documentation to evidence PITIA and pay history for property located at xxxxxx. Final 1003 shows mortgage with xxxxxx Mortgage for xxxxxx however, first payment letter shows that belongs to property located at xxxxxx with borrower and unknown party. Property report was provided for xxxxxx showing borrower and co-borrower. Subject to review and additional conditions. - Due Diligence Vendor-01/16/2026 |  | Resolved-Credit Supplement provided stating: NO DELINQUENCIES IN LIFE OF LOAN - Due Diligence Vendor-01/22/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.32 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.08 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 - 15.00 Years |  | Full Review857886_xxxxxx_1_20_2026_83339_AM.zip<br> 857886_xxxxxx_Supp_and_MTG_STMT.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 |
| 857887 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-12 14:12 | 2026-02-19 12:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Minimum square feet for Single Family Residence is 700 sq per guidelines section 2.10.1.4. Subject square footage is xxxxxx square feet - Due Diligence Vendor-02/19/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/19/2026 <br> Open-. Minimum square feet for Single Family Residence is 700 sq per guidelines section 2.10.1.4. Subject square footage is xxxxxx square feet. - Due Diligence Vendor-02/12/2026 |  | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Minimum square feet for Single Family Residence is 700 sq per guidelines section 2.10.1.4. Subject square footage is xxxxxx square feet - Due Diligence Vendor-02/19/2026 | Residual Income Greater Than Minimum Guideline Requirement - Residual income exceeds guideline minimum by 2.5x<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Compensating Factor 1 - Credit Score 20 points > minimum required <br> Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines <br> Compensating Factor 3 - Employed in same profession > 5 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 857889 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857922 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-19 22:44 | 2026-01-28 13:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Audited Reserves of 1.88 are less than Guideline Required Reserves of 2 - Due Diligence Vendor-01/28/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-01/28/2026 <br> Open-Audited Reserves of 1.88 are less than Guideline Required Reserves of 2 Cash to close of $108120.08 plus 2 mos reserves of 3499.92\*2=6999.84 for a total of $115,119.92. Total verified assets of $114689.74; (Gift)102404, xxxxxx Chk xxxxxx $7828.38, xxxxxx Sav xxxxxx, short funds of $430.18 - Due Diligence Vendor-01/20/2026 |  | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Audited Reserves of 1.88 are less than Guideline Required Reserves of 2 - Due Diligence Vendor-01/28/2026 | 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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years | Compensating Factor 1 - Credit Score 20 points > minimum required <br> Compensating Factor 2 - Current primary home ownership > 10 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 857923 | xxxxxx | B A | Closed | xxxxxx | 2026-01-28 15:53 | 2026-01-28 15:53 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client Exception granted with compensating factors Calculated DSCR of 0.916 is less than guideline DSCR of 1. First time home investor DSCR (.910) below 1.0 and xxxxxx unit property (xxxxxx unit allowed) - Due Diligence Vendor-01/28/2026 |  | Waived-Client Exception granted with compensating factors Calculated DSCR of 0.916 is less than guideline DSCR of 1. First time home investor DSCR (.910) below 1.0 and xxxxxx unit property (xxxxxx unit allowed) - Due Diligence Vendor-01/28/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.62 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 29.62 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 787 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Credit Score 30+ points > minimum required LTV/CLTV 5% or more below the maximum allowed under applicable guidelines Current primary home ownership > 5 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857980 | 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 |  |  |  |
| 857989 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-13 13:00 | 2026-02-25 08:49 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. 2/24/26 - please see CDA - Due Diligence Vendor-02/25/2026 <br>Open-CU and LCA were provided; however, LCA did not score. Per guides, if both scores (CU & LCA) provided, both required to be 2.5 or less. <br> If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or <br> second appraisal<br> 11.10.2025 section 2.10.1.3 - Due Diligence Vendor-02/13/2026 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 144.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 144.14 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 735 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 735 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 28.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 857989_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857989 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-12 07:45 | 2026-02-13 13:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception granted with compensating factors Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 exception for loan amount xxxxxx pg 25 - Due Diligence Vendor-02/12/2026 |  | Waived-Client Exception granted with compensating factors Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 exception for loan amount xxxxxx pg 25 - Due Diligence Vendor-02/12/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 144.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 144.14 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 735 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 735 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 28.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 857996 | xxxxxx | C A B | Closed | xxxxxx | 2026-02-05 08:17 | 2026-02-24 07:39 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/07/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-02/07/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/05/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/07/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.72 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 0.0<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 22.85 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 - 7.12 Years |  | 857996_xxxxxx_Loan_#857996_LDL-Report_UPDATED_1-20-26.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 |
| 857996 | xxxxxx | C A B | Closed | xxxxxx | 2026-02-19 19:53 | 2026-02-24 07:38 | Resolved | 1 - Information C A | Compliance | TRID | Post Consummation CD issued improperly | Resolved- - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD. - Buyer-02/20/2026 <br>Open- - Due Diligence Vendor-02/20/2026 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.72 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 0.0<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 - 22.85 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 - 7.12 Years | Provide the PCCD | xxxxxx Post 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 |
| 858002 | 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 |  |  |  |
| 858008 | 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 |  |  |  |
| 858011 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-12 03:22 | 2026-02-26 08:34 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved- - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Letter of intent to record uploaded - Due Diligence Vendor-02/25/2026 <br> Counter-Please provide Corrected Security Instrument and riders executed by borrower, page 1 re-record declaration or cover sheet stating the reason for the re-record. Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. The signed PUD rider uploaded will be recorded with an Affidavit of Error for the mortgage. - Due Diligence Vendor-02/18/2026 <br> Open-PUD Rider is Missing Appraiser notes property part of xxxxxx unit HOA, Page 300 of contract mentions HOA and HOA docs. Missing PUD rider. - Due Diligence Vendor-02/12/2026 |  |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.35 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 23.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 754 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 858011_xxxxxx_SIGNED_PUD_RIDER.pdf<br> 858011_xxxxxx_letter_of_intent_wRider_and_Affidavit.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 |
| 858011 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-12 17:43 | 2026-02-22 08:01 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved- - Due Diligence Vendor-02/22/2026 <br>Ready for Review-Document Uploaded. Please see affidavit - Due Diligence Vendor-02/20/2026 <br>Open-Property Title Issue Missing PUD rider (this is duplicate of missing PUD rider to mortgage) See appraisal and page 300 of contract about HOA. - Due Diligence Vendor-02/12/2026 |  |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.35 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 23.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 754 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 858011_xxxxxx_Signed_Affidavit_wRider.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 |
| 858012 | xxxxxx | C A | Closed | xxxxxx | 2026-02-04 12:52 | 2026-02-06 10:33 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-Received disclosure with all pages. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Counter-Received same copy of the FCD that is in the original file. Document is missing page 2. Lender to provide copy of Final CD with all pages. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. - Seller-02/04/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure & Post Consummation 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-02/04/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 | Resolved-Received disclosure with all pages. - Due Diligence Vendor-02/06/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.67% 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 22.76 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 - 7.67 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>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 - 9.07 Years |  | xxxxxx FCD.pdf<br> xxxxxx Full Disclosure Tracking.pdf<br> xxxxxx FCD.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 |
| 858019 | 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 |  |  |  |
| 858024 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858037 | 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 |  |  |  |
| 858040 | 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 |  |  |  |
| 858045 | 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 |  |  |  |
| 858059 | 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 |  |  |  |
| 858070 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 23:30 | 2026-03-03 07:28 | 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-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.45 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 0.21<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 41.82% 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 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 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 |
| 858081 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858088 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858092 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858111 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858127 | xxxxxx | D A | Closed | xxxxxx | 2026-02-06 17:52 | 2026-02-11 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax cert & HOI Policy provided - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. 2/9/26 - please see attached are Tax and HOI. - Due Diligence Vendor-02/10/2026 <br> Open-Missing tax and HOI for primary residence xxxxxx. - Due Diligence Vendor-02/06/2026 |  | Resolved-Tax cert & HOI Policy provided - Due Diligence Vendor-02/11/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 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 23.63% 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 - 12.06 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 - 12.06 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 858127_Coe_COE_xxxxxx_Tax_and_HOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858131 | xxxxxx | B A | Closed | xxxxxx | 2026-02-02 11:25 | 2026-02-05 17:25 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/05/2026 <br>Counter-Unable to open document from Zip file - Please re-upload - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Please see approval - Due Diligence Vendor-02/04/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/02/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 | 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858131_xxxxxx_Loan#858131_FINAL_Notice_of_Loan_Approval_xxxxxx_(1).pdf<br> Loan#858131 FINAL Notice of Loan Approval xxxxxx (1) (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858139 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-13 15:40 | 2026-02-24 17:04 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see CD - Due Diligence Vendor-02/23/2026 <br> Counter-Disclosure tracking showing ICD was issued xxxxxx - However the upload does not include the Initial Closing Disclosure. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Disclosure Tracking attached - Due Diligence Vendor-02/19/2026 <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. <br> - Due Diligence Vendor-02/13/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-02/24/2026 | 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 - 10.86 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 - 10.87 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 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 39.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review858139_xxxxxx_2_19_2026_112514_AM.zip<br> Full Review858139_xxxxxx_2_23_2026_84944_AM.zip<br> 858139_xxxxxx_Disclosure_Tracking.pdf<br> 858139_xxxxxx_CD_1.20_-_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 |
| 858139 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-13 06:01 | 2026-02-20 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage Statement for 2nd Lien provided. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Mortgage Statement attached - Due Diligence Vendor-02/19/2026 <br> Open-Provide mortgage statement or FCD for the recent new 2nd mortgage HELOC(xxxxxx?) for xxxxxx used as source of down payment - Due Diligence Vendor-02/13/2026 |  | Resolved-Mortgage Statement for 2nd Lien provided. - Due Diligence Vendor-02/20/2026 | 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 - 10.86 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 - 10.87 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 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 39.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 858139_xxxxxx_1002601002110_-_Mortgage_Statement,_March_1_2026.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 |
| 858142 | 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 |  |  |  |
| 858151 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858152 | xxxxxx | D A | Closed | xxxxxx | 2026-02-13 16:02 | 2026-02-20 10:30 | 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-02/20/2026 <br>Ready for Review-Document Uploaded. UDN page 1 of the Drive Report - Due Diligence Vendor-02/19/2026 <br>Counter-The condition is for GAP report dated within 10 days of closing - a CBR supplement was provided instead. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Gap Report - Due Diligence Vendor-02/18/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/13/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/20/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.42% 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 - 8.25 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 - 5.17 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>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 680 By Twenty (20) or More Points |  | 858152_xxxxxx_CREDIT_SUPPLEMENT.pdf<br> 858152_xxxxxx_DRIVE_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 |
| 858162 | xxxxxx | D A | Closed | xxxxxx | 2026-02-02 17:12 | 2026-02-11 17:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 45.87% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/11/2026 <br> Resolved-xxxxxx documents provided - per Guidelines: Short-Term Rental- xxxxxx (www.xxxxxx.co) Rentalizer/Property Earning Potential Report accessed using the Explore Short-Term Rental Data, must meet the following requirements: ▫ Only allowed for purchase transaction (yes) Forecast period must cover 12-months and dated 90-days within the Note date. (YES) Must have three (3) comparable properties similar in size, room count, amenities, availability, and occupancy. (YES) and Market Score or Sub-Market Score must be 60 or greater as reflected on the Property Earning Potential Report. (Yes 73 Sub-market score) - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. 2/6/26 - Please review attached. Lender responded that they are using xxxxxx uploaded in lieu of rental survey in appraisal. - Due Diligence Vendor-02/06/2026 <br> Open-Audited DTI of 50.59% exceeds Guideline DTI of 50% Lender used $6675 for the gross rental income (no expense factor required on NOO purchase) when the rent survey shows $4100 and property is not leased. - Due Diligence Vendor-02/04/2026 |  | Resolved-Audited DTI of 45.87% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/11/2026 <br> Resolved-xxxxxx documents provided - per Guidelines: Short-Term Rental- xxxxxx (www.xxxxxx.co) Rentalizer/Property Earning Potential Report accessed using the Explore Short-Term Rental Data, must meet the following requirements: ▫ Only allowed for purchase transaction (yes) Forecast period must cover 12-months and dated 90-days within the Note date. (YES) Must have three (3) comparable properties similar in size, room count, amenities, availability, and occupancy. (YES) and Market Score or Sub-Market Score must be 60 or greater as reflected on the Property Earning Potential Report. (Yes 73 Sub-market score) - Due Diligence Vendor-02/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 15.27 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | 858162_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858162 | xxxxxx | D A | Closed | xxxxxx | 2026-02-02 17:13 | 2026-02-05 10:03 | 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) Tax Cert & HOI provided. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. 2/4/26 - please see attached. - Due Diligence Vendor-02/05/2026 <br> Open-Missing verification of taxes, insurance for non-subject property xxxxxx - Due Diligence Vendor-02/02/2026 |  | Resolved-Mortgage statement (escrowed) Tax Cert & HOI provided. - Due Diligence Vendor-02/05/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 15.27 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | 858162_xxxxxx_HOI_-_xxxxxx.pdf<br> 858162_xxxxxx_Mtg_Stmt_-_xxxxxx.pdf<br> 858162_xxxxxx_Property_Taxes_-_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858167 | xxxxxx | D A | Closed | xxxxxx | 2026-02-19 09:23 | 2026-02-22 11:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-02/20/2026 <br> Open-missing taxes, hoi, and/or HOA fees for xxxxxx - Due Diligence Vendor-02/19/2026 |  | Resolved-REO documents provided. - Due Diligence Vendor-02/22/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.25% 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 - 8.12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.12 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 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 761 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 858167_xxxxxx_Credit-_Document_REO_Expenses.pdf<br> 858167_xxxxxx_Processor_Cert_non_subject_property.pdf<br> 858167_xxxxxx_Tax_Bill.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 |
| 858172 | xxxxxx | D A | Closed | xxxxxx | 2026-02-13 16:54 | 2026-02-18 14:11 | 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-02/18/2026 <br>Ready for Review-Document Uploaded. UDN in Drive report - Due Diligence Vendor-02/18/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/13/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/18/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.56% 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 807 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 0.01<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 - 5.07 Years<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 6 By Six (6) Or More Months |  | 858172_xxxxxx_DRIVE_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 |
| 858174 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-22 08:16 | 2026-02-07 09:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Audited Reserves of 4.76 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-02/07/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-02/07/2026 <br> Open-Audited Reserves of 4.76 are less than Guideline Required Reserves of 6 Provide additional assets for reserves requirement and/or the exception approval if applicable to use 4 ms reserves. \*\*\*\* Shortage in assets is the Lender considered reserves at 4 mos xxxxxx the guidelines reserves of 6 mos. There were no additional assets located in loan file and no exceptions for reserves from a credit policy review standpoint. Guidelines states LTV < 85%: 6-months of PITIA is required. - Due Diligence Vendor-01/22/2026 |  | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Audited Reserves of 4.76 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-02/07/2026 | 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.83 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 758 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 | Compensating Factor 1 - Credit Score 20 points > minimum required <br> Compensating Factor 2 - 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 | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 858222 | xxxxxx | D A | Closed | xxxxxx | 2026-01-23 10:31 | 2026-02-04 13:34 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. 1008 Uploaded, Manual. No ratios - Due Diligence Vendor-02/03/2026 <br> Counter-the 1008 reflects Ratios and states Approved/Eligible - Subject Loan is a DSCR and a Manual UW - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. 1/29/26 - please see attached 1008. Manually re-uploaded thru xxxxxx. - Buyer-01/29/2026 <br> Counter-Subject Loan is a DSCR and a Manual UW however the 1008 reflects Ratios and states Approved/Eligible - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. 1/28/26 - 1008 attached - Due Diligence Vendor-01/29/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/23/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.54 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 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 858222_xxxxxx_xxxxxx_-_1008.pdf<br> xxxxxx - 1008.pdf<br> 858222_xxxxxx_xxxxxx_-_1008_Manual.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858222 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 16:48 | 2026-01-28 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Earnest money wires located in file and was paid $16,000 and $20,000 = $36,000 EMD - Due Diligence Vendor-01/28/2026 <br> Resolved-Asset 1 Provided - Due Diligence Vendor-01/28/2026 <br> Open-Missing proof of Earnest Money deposit receipt. - Due Diligence Vendor-01/27/2026 |  | Resolved-Earnest money wires located in file and was paid $16,000 and $20,000 = $36,000 EMD - Due Diligence Vendor-01/28/2026 <br> Resolved-Asset 1 Provided - Due Diligence Vendor-01/28/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.54 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 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858227 | xxxxxx | B A | Closed | xxxxxx | 2026-01-27 06:39 | 2026-01-27 06:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/27/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2648.88 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 63.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | · Borrower exceeds minimum credit score requirement by at least 61 points.<br> · Current LTV is 15% less than max allowed.<br> · Reserves exceed minimum required by 2,660 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858227 | xxxxxx | B A | Closed | xxxxxx | 2026-01-27 06:38 | 2026-01-27 06:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/27/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2648.88 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 63.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | · Borrower exceeds minimum credit score requirement by at least 61 points.<br> · Current LTV is 15% less than max allowed.<br> · Reserves exceed minimum required by 2,660 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858228 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 13:05 | 2026-03-25 13:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 <br> Open-Condo project has less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2764.21 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 701 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858228 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-27 00:05 | 2026-02-02 14:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. - Seller-01/31/2026 <br> Counter-The Approved Exception form does not address the builder being in control - DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-01/31/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-02/02/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2764.21 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 701 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,773 months. | EXCEPTION FORM.pdf<br> Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858228 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-28 15:34 | 2026-01-28 15:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL FOR PROPERTY GLA OF xxxxxx SQFT. PER GUIDELINE, MINIMUM GLA MUST BE 500SQFT. - Due Diligence Vendor-01/28/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL FOR PROPERTY GLA OF xxxxxx SQFT. PER GUIDELINE, MINIMUM GLA MUST BE 500SQFT. - Due Diligence Vendor-01/28/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2764.21 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 701 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 2,726 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858228 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-28 15:33 | 2026-01-28 15:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/28/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/28/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2764.21 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 701 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 2,726 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858229 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 13:08 | 2026-03-25 13:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 <br>Open-Condo project has less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.36% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2726.87 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 | Originator Pre-Close | Yes | xxxxxx |
| 858229 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-27 03:32 | 2026-01-30 14:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Exception required for developer or builder under control. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Counter-The Approved Exception form does not address the builder being in control - DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Exception required for developer or builder under control. - Due Diligence Vendor-01/30/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.36% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2726.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,726 months | EXCEPTION FORM.pdf<br> xxxxxx - Exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858229 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-27 03:49 | 2026-01-27 03:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/27/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.36% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2726.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 2,726 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858229 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-27 03:48 | 2026-01-27 03:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL FOR PROPERTY GLA OF xxxxxx SQFT. PER GUIDELINE, MINIMUM GLA MUST BE 500SQFT. - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL FOR PROPERTY GLA OF xxxxxx SQFT. PER GUIDELINE, MINIMUM GLA MUST BE 500SQFT. - Due Diligence Vendor-01/27/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.36% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2726.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 2,726 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858230 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-28 15:52 | 2026-01-29 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Partial | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. - Seller-01/28/2026 <br>Open-HO-6 Master Insurance Policy Partially Provided Missing HO-6 Master Hazard Property policy. Only liability policy found. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026 | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/29/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3718.58 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | HOA MASTER POLICY.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858230 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-28 16:22 | 2026-01-28 16:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. Lender exception to allow < 50% owner occupied on a new project. Currently 45.06% owner occupation. - Due Diligence Vendor-01/28/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. Lender exception to allow < 50% owner occupied on a new project. Currently 45.06% owner occupation. - Due Diligence Vendor-01/28/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 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 3718.58 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds credit score by 61 <br> Reserves exceed minimum by 1400 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858230 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-28 15:57 | 2026-01-28 16:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Client Exception granted with compensating factors Number of Mortgaged Properties is 12. Lender exception for more than $5,000,000 GBL exposure on the project. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/28/2026 |  | Waived-Client Exception granted with compensating factors Number of Mortgaged Properties is 12. Lender exception for more than $5,000,000 GBL exposure on the project. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/28/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 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 3718.58 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds min credit score by 61 points<br> Reserves exceed min by 1400 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858231 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-26 06:05 | 2026-01-30 14:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Exception required for developer or builder under control. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Open-DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/30/2026 <br> Rescinded-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Exception required for developer or builder under control. - Due Diligence Vendor-01/30/2026 <br> Rescinded-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 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 4627.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,726 months | xxxxxx - Exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858231 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-28 17:04 | 2026-01-30 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Partial | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Counter-The condition is for the Master Condo Policy - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-HO-6 Master Insurance Policy Partially Provided Missing HO6 Master Property hazard insurance policy, already have liability in file. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 4627.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | HAZARD INSURANCE HO6.pdf<br>HOA MASTER POLICY.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858231 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-29 08:36 | 2026-01-29 14:49 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Enhanced Desk review provided. - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-LCA provided has a score of 0. Missing valid 3rd party valuation product. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026 | Resolved-Enhanced Desk review provided. - Due Diligence Vendor-01/29/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 4627.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | CCA_OTHER APPRAISAL REVIEW.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858231 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-28 17:19 | 2026-01-28 17:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. Lender exception for allow < 50% owner occupied on a new project. Currently 45.06 owner occupied units - Due Diligence Vendor-01/28/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. Lender exception for allow < 50% owner occupied on a new project. Currently 45.06 owner occupied units - Due Diligence Vendor-01/28/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 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 4627.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower CBR exceeds minimum by 61 points<br> Reserves exceed 1400 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858231 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-28 17:09 | 2026-01-28 17:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Client Exception granted with compensating factors Number of Mortgaged Properties is 12. Lender exception for more than $5,000,000 GBL exposure on condo project. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/28/2026 | Borrower making 10 loans with xxxxxx for xxxxxx units. - 01/28/2026 <br>| Waived-Client Exception granted with compensating factors Number of Mortgaged Properties is 12. Lender exception for more than $5,000,000 GBL exposure on condo project. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/28/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 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 4627.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower CBR exceeds minimum by 61 points<br> Reserves exceed minimum by 1400 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858232 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 03:32 | 2026-01-30 14:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2319.97 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 80% By Ten Percent (10%) Or More | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,328 months  | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858232 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 04:03 | 2026-01-26 04:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2319.97 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 80% By Ten Percent (10%) Or More | • Borrower exceeds minimum credit score requirement by at least 61 points.<br> • Current LTV is 15% less than max allowed.<br> • Reserves exceed minimum required by 2,328 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858232 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 04:02 | 2026-01-26 04:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.<br> - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development.<br> - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2319.97 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 80% By Ten Percent (10%) Or More | · Borrower exceeds minimum credit score requirement by at least 61 points.<br> · Current LTV is 15% less than max allowed.<br> · Reserves exceed minimum required by 2,328 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858233 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 05:01 | 2026-01-30 14:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2212.2 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 68.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,220 months | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858233 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 05:29 | 2026-01-26 05:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2212.2 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 68.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | • Borrower exceeds minimum credit score requirement by at least 61 points.<br> • Current LTV is 15% less than max allowed.<br> • Reserves exceed minimum required by 2,220 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858233 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 05:29 | 2026-01-26 05:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2212.2 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 68.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | • Borrower exceeds minimum credit score requirement by at least 61 points.<br> • Current LTV is 15% less than max allowed.<br> • Reserves exceed minimum required by 2,220 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858234 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-25 13:20 | 2026-03-25 13:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 <br>Open-Condo project has less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1640.15 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 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858234 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-26 03:56 | 2026-01-30 14:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Open-The Builder is in control of the HOA DSCR xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1640.15 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 80% By Ten Percent (10%) Or More | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 1,640 months. | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858234 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-26 04:03 | 2026-01-30 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-Missing Flood Certificate in loan file - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026 | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1640.15 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 80% By Ten Percent (10%) Or More |  | FLOOD CERT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858234 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-26 04:28 | 2026-01-26 04:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived-Client Exception granted with compensating factors EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1640.15 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 80% By Ten Percent (10%) Or More | • Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 1,640 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858235 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 13:25 | 2026-03-25 13:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow GBL exposure to project in excess of guideline maximum $5,000,000. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-03/25/2026 <br> Open-GBL exposure to condo project exceeds guideline maximum of $5,000,000 - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow GBL exposure to project in excess of guideline maximum $5,000,000. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-03/25/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2253.66 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 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858235 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 05:09 | 2026-01-30 14:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2253.66 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 80% By Ten Percent (10%) Or More | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,261 months.  | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858235 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 05:32 | 2026-01-26 05:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Occupancy Not Allowed | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS. - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS. - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2253.66 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 80% By Ten Percent (10%) Or More | • Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 2,261 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858236 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 13:28 | 2026-03-25 13:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow GBL exposure to project in excess of guideline maximum $5,000,000. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-03/25/2026 <br> Open-GBL exposure to condo project exceeds guideline maximum of $5,000,000 - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow GBL exposure to project in excess of guideline maximum $5,000,000. HOA and appraiser confirm there is no known structural deficiencies, no pending litigation, and no marketability concerns tied to the development. - Due Diligence Vendor-03/25/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2203.62 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 66.08% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858236 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 06:15 | 2026-01-30 14:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2203.62 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 66.08% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,212 months | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858236 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 06:33 | 2026-01-26 06:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Occupancy Not Allowed | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS. - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS. - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2203.62 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 66.08% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | • Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 2,212 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858239 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858256 | xxxxxx | D A | Closed | xxxxxx | 2026-01-07 23:03 | 2026-02-22 08:25 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-confirmation from title that they re-record provided - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Counter-unexecuted corrected Security Instrument provided, xxxxxx. Please provide confirmation from title that they will facilitate the execution and re-record in your behalf. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-PUD Rider is Missing The appraisal in the file indicates that the subject property is located within a Planned Unit Development (PUD). However, the mortgage does not reference a PUD Rider, nor is such a rider included in the loan file. Please advise on how to proceed. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 | Resolved-confirmation from title that they re-record provided - Due Diligence Vendor-02/22/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 37.24% 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 - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 777 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 - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxxxxx PUD.pdf<br> xxxxxx Cover Letter - letter of intent.pdf<br> Signed Mortgage to Rerecord.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858265 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858275 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858284 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 10:54 | 2026-01-14 08:48 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO Provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. BPO - Seller-01/13/2026 <br>Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. BPO - Seller-01/13/2026 | Resolved-BPO Provided - Due Diligence Vendor-01/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 154.05 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 - Validated Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | APPRAISAL REVIEW (17).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858305 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 06:09 | 2026-01-12 08:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final HUD/SS/ALTA Provided - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Open-Closing Detail Statement or Settlement Statement For the subject property is Missing - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026 | Resolved-Final HUD/SS/ALTA Provided - Due Diligence Vendor-01/12/2026 | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 120.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | SIGNED CLOSING PACKAGE - 2026-01-08T122724.976.pdf<br> xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858305 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 07:22 | 2026-01-08 07:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with compensating factors Audited FICO of 694 is less than Guideline FICO of 700 Seeking exception for cash out out with DSCR < 1 and FICO < 700. - Due Diligence Vendor-01/08/2026 |  | Waived-Client Exception granted with compensating factors Audited FICO of 694 is less than Guideline FICO of 700 Seeking exception for cash out out with DSCR < 1 and FICO < 700. - Due Diligence Vendor-01/08/2026 | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 120.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Compensating Factors<br> 1.PITIA reserves above min by 6 months<br> 2.Borrower is an xxxxxx and has owned multiple properties. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858341 | 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 |  |  |  |
| 858350 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-04 10:39 | 2026-02-07 08:00 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-02/07/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/06/2026 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-02/04/2026 |  | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-02/07/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.62% 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 755 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 9.73 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 0.07 |  | xxxxxx app license.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 |
| 858350 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-04 10:39 | 2026-02-07 08:00 | Resolved | 1 - Information C A | Property | Appraisal | The supervisor appraiser was not licensed (Primary Value) | Resolved-Primary Value supervisor appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Supervisor Appraiser License Dates Are Not Provided - Due Diligence Vendor-02/07/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/06/2026 <br>Open-Primary Value supervisor appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-02/04/2026 |  | Resolved-Primary Value supervisor appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Supervisor Appraiser License Dates Are Not Provided - Due Diligence Vendor-02/07/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.62% 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 755 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 9.73 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 0.07 |  | xxxxxx app license.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 |
| 858350 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-04 11:12 | 2026-02-07 07:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Fraud Product | Resolved- - Due Diligence Vendor-02/07/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/06/2026 <br>Open-The fraud risk Drive Report is missing the property verify section. - Due Diligence Vendor-02/04/2026 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.62% 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 755 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 9.73 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 0.07 |  | xxxxxx Fraud.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 |
| 858350 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-03 14:13 | 2026-02-07 07:58 | 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-02/07/2026 <br>Ready for Review-Document Uploaded. - Seller-02/06/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). validated, Gap credit is within 30 days - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/07/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.62% 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 755 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 9.73 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 0.07 |  | xxxxxx bwr 2 UDN.pdf<br> xxxxxx bwr 1 UDN.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 |
| 858373 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858383 | xxxxxx | D A B | Closed | xxxxxx | 2026-01-26 03:21 | 2026-01-29 15:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. 1/28/26 - Please see attached which was included in original submission indexed as HUD-1 - Due Diligence Vendor-01/29/2026 <br>Open- - Due Diligence Vendor-01/26/2026 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.6 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 Years |  | 858383_xxxxxx_xxxxxx_EXECUTED_HUD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858383 | xxxxxx | D A B | Closed | xxxxxx | 2026-01-26 04:53 | 2026-01-29 15:32 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. 1/28/26 - Please see attached which was w/in original loan submission and indexed as CLA. - Due Diligence Vendor-01/29/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/26/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.6 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 Years |  | 858383_xxxxxx_CLA_(9).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858395 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858396 | 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 |  |  |  |
| 858398 | 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 |  |  |  |
| 858497 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-26 21:22 | 2026-03-02 13:13 | 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-03/02/2026 <br>Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-02/27/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing lender worksheet for 12 mos bank statement income. Please provide - Due Diligence Vendor-02/27/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/02/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.23 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 33.69% 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 795 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 858497_xxxxxx_858497_xxxxxx_bk_stmt_calc_2-2-26.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858497 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-26 19:43 | 2026-02-26 20:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Open-Primary Value Valuation Neighborhood Location Not Allowed for Program LTV > 80% on a Rural Property - Due Diligence Vendor-02/27/2026 |  |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.23 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 33.69% 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 795 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Credit Score 30+ points > minimum required<br> DTI <= 40% which is below requirement in 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 |
| 858500 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858501 | 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 |  |  |  |
| 858571 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 03:02 | 2026-02-15 07:41 | 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-02/15/2026 <br> Ready for Review-Document Uploaded. The UDM is on page 2, of the Fraud Report , the report ran through 2/6/26 - Due Diligence Vendor-02/15/2026 <br> Open-Borrower 1 Gap Credit Report is Missing. Per guidelines 2nd liens: A gap credit report or Undisclosed Debt Monitoring Report (UDM) is required to be obtained no more than 30- days prior to loan closing or any time after closing.<br> - Due Diligence Vendor-02/12/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/15/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 0.21<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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.47 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 740 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 29.07 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 Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 36.97% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | 858571_xxxxxx_Fraud_report.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 |
| 858571 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 03:02 | 2026-02-15 07:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/15/2026 <br>Ready for Review-Document Uploaded. The UDM is on page 2, of the Fraud Report , the report ran through 2/6/26 - Due Diligence Vendor-02/15/2026 <br>Open-Borrower 2 Gap Credit Report is Missing. Per guidelines 2nd liens: A gap credit report or Undisclosed Debt Monitoring Report (UDM) is required to be obtained no more than 30- days prior to loan closing or any time after closing.<br> - Due Diligence Vendor-02/12/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/15/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 0.21<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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.47 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 740 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 29.07 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 Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 36.97% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | 858571_xxxxxx_Fraud_report.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 |
| 858576 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858585 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-19 10:15 | 2026-02-24 11:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: HOA still under builder control<br> - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Please see Exception attached from our Pre Close team - Not originally uploaded. - Due Diligence Vendor-02/23/2026 <br>Open-The Builder is in control of the HOA - Due Diligence Vendor-02/19/2026 |  | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: HOA still under builder control<br> - Due Diligence Vendor-02/24/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Residual income more than 1.5x the amount required by guidelines<br> Credit Score 30+ points > minimum required<br> Employed at same job > 2 years | 858585_xxxxxx_Exception_Request_Report_(5).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 |
| 858585 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-19 10:38 | 2026-02-19 10:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. Requesting exception due property being in xxxxxx project. Less than 50% of total units have been sold at this time - Due Diligence Vendor-02/19/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. Requesting exception due property being in xxxxxx project. Less than 50% of total units have been sold at this time - Due Diligence Vendor-02/19/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | \* Employed at same job > 2 years<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 1.5x 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 |
| 858614 | xxxxxx | D A | Closed | xxxxxx | 2026-02-02 12:37 | 2026-02-03 07:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Award Letter Missing | Resolved-xxxxxx Retirement provided. - Due Diligence Vendor-02/03/2026 <br> Resolved-Borrower 1 Award Letter Resolved - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see Award Letters were in original upload pages 937 - 939 - Due Diligence Vendor-02/03/2026 <br> Open-Borrower 1 Award Letter Missing. Missing evidence of reciept of $5,372.52 taken from 1003. Bank statements do reflect receipt. - Due Diligence Vendor-02/02/2026 |  | Resolved-xxxxxx Retirement provided. - Due Diligence Vendor-02/03/2026 <br> Resolved-Borrower 1 Award Letter Resolved - Due Diligence Vendor-02/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 16.51 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 - 10.38 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.38 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 776 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 25.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 25.05% 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 - 11.67 Years Borrower At Current Residence For Five (5) Or More Years - 11.67 Years |  | 858614_xxxxxx_Retirement_Award_Letter.pdf<br> 858614_xxxxxx_Disability_Pay.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858622 | xxxxxx | D A | Closed | xxxxxx | 2026-02-25 22:04 | 2026-03-10 19:18 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership counseling disclosure provided - Due Diligence Vendor-03/10/2026 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\*Please provide entire initial disclosure package for review - Due Diligence Vendor-02/27/2026 |  | Resolved-Homeownership counseling disclosure provided - Due Diligence Vendor-03/10/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>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 - 9.52 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.8 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 39.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx Homeownership Counseling.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 |
| 858622 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 09:06 | 2026-03-03 14:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received evidence of rate lock and Initial CD - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Initial LE and CD - Due Diligence Vendor-03/02/2026 <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-02/26/2026 |  | Resolved-\*\*Received evidence of rate lock and Initial CD - Due Diligence Vendor-03/03/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>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 - 9.52 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.8 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 39.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review858622_xxxxxx_3_2_2026_95934_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 |
| 858622 | xxxxxx | D A | Closed | xxxxxx | 2026-02-25 22:04 | 2026-03-03 14:36 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-\*\*Received evidence of rate lock and Initial CD - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Locked CD - Due Diligence Vendor-03/02/2026 <br>Open-Evidence of Rate Lock Missing Please provide Lock Confirmation or other documentation to validate the APOR date required for testing. - Due Diligence Vendor-02/26/2026 |  | Resolved-\*\*Received evidence of rate lock and Initial CD - Due Diligence Vendor-03/03/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>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 - 9.52 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.8 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 39.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review858622_xxxxxx_3_2_2026_100101_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 |
| 858622 | xxxxxx | D A | Closed | xxxxxx | 2026-02-25 22:24 | 2026-03-03 14:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Date the Rate Was Set Validation Test | Resolved-\*\*Received evidence of rate lock and Initial CD - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Locked CD - Due Diligence Vendor-03/02/2026 <br>Open-This loan failed the date the rate was set validation test. (12 CFR §1026.32(1)(i)(A), (C))This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. \*\*\*\*\*Please provide Lock Confirmation or other documentation to validate the APOR date required for testing. - Due Diligence Vendor-02/27/2026 <br>Open- - Due Diligence Vendor-02/26/2026 <br>Open- - Due Diligence Vendor-02/26/2026 |  | Resolved-\*\*Received evidence of rate lock and Initial CD - Due Diligence Vendor-03/03/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>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 - 9.52 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.8 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 39.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review858622_xxxxxx_3_2_2026_100149_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 |
| 858622 | xxxxxx | D A | Closed | xxxxxx | 2026-02-25 17:39 | 2026-03-03 11:58 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. UW approval letter - Due Diligence Vendor-03/02/2026 <br>Open-1008/Underwriting Summary Not Provided Final 1008 was not uploaded with the file package. Please provide. - Due Diligence Vendor-02/25/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>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 - 9.52 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.8 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 39.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 858622_xxxxxx_Loan_#858622_LDL-Report_UPDATED_2-12-26.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 |
| 858622 | xxxxxx | D A | Closed | xxxxxx | 2026-02-25 17:16 | 2026-03-03 11:56 | 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-03/03/2026 <br> Ready for Review-Document Uploaded. Gap Report - Due Diligence Vendor-03/02/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap report required per guidelines - xxxxxx shows an undisclosed debt verification purchased, but is not on file. Please provide gap/undisclosed debt report - Due Diligence Vendor-02/25/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/03/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>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 - 9.52 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.8 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 39.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 858622_xxxxxx_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 |
| 858622 | xxxxxx | D A | Closed | xxxxxx | 2026-02-25 18:32 | 2026-03-03 11:56 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Per the documentation provided, this is a manufactured home within a manufactured xxxxxx. The borrower owns the manufactured home that is on the lot. Borrower does not own the lot, it is rented, therefore a verification of rent for the lot was provided. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. See LOE for the address above, xxxxxx on a rental lot. - Due Diligence Vendor-03/03/2026 <br> Open-The Final 1003 is Incomplete 1003 needs to be corrected as property address xxxxxx is reflecting as Borrower Owns and will Retain as Investment. However, verification of rent pg 819 confirms client has been a tenant there since xxxxxx with rent of 570.81 per month. - Due Diligence Vendor-02/25/2026 |  | Resolved-Per the documentation provided, this is a manufactured home within a manufactured xxxxxx. The borrower owns the manufactured home that is on the lot. Borrower does not own the lot, it is rented, therefore a verification of rent for the lot was provided. - Due Diligence Vendor-03/03/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>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 - 9.52 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.8 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 39.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 858622_xxxxxx_LOE_for_Rents.pdf<br> 858622_xxxxxx_Manuf_Home_Certificate_of_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 |
| 858622 | xxxxxx | D A | Closed | xxxxxx | 2026-02-25 16:49 | 2026-03-03 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved- - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. income worksheet - Due Diligence Vendor-03/02/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing lender income worksheet for bank statement income of client. - Due Diligence Vendor-02/25/2026 |  |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>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 - 9.52 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.8 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 39.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 858622_xxxxxx_858622_xxxxxx_ANALYSIS_(1)_(1).xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858636 | xxxxxx | C A | Closed | xxxxxx | 2026-03-02 15:06 | 2026-03-09 15:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received Revised LE and Initial CD - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. Please see attached COC, Initial CD, Final CD, Initial LE, and final LE. - Due Diligence Vendor-03/06/2026 <br>Open-Documentation provided does not contain the Missing 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. <br> - Due Diligence Vendor-03/02/2026 |  | Resolved-Received Revised LE and Initial CD - Due Diligence Vendor-03/09/2026<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 660 By Twenty (20) or More Points Qualifying FICO Of 756 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 74.93% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 74.93% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.5% 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 - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 28.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review858636_xxxxxx_3_5_2026_45958_PM.zip<br> 858636_xxxxxx_Initial_CD_+_Final_Cd_&_Inital_LE_+_Final_LE.pdf<br> 858636_xxxxxx_Initial_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 |
| 858636 | xxxxxx | C A | Closed | xxxxxx | 2026-03-02 15:07 | 2026-03-09 15:25 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Received Revised LE and Initial CD - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached COC, Initial CD, Final CD, Initial LE, and final LE. - Due Diligence Vendor-03/06/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. Documentation provided does not contain the Missing 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. <br> - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/02/2026 |  | Resolved-\*\*Received Revised LE and Initial CD - Due Diligence Vendor-03/09/2026<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 660 By Twenty (20) or More Points Qualifying FICO Of 756 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 74.93% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 74.93% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.5% 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 - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 28.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review858636_xxxxxx_3_5_2026_45924_PM.zip<br> 858636_xxxxxx_FInal_LE.pdf<br> 858636_xxxxxx_Initial_CD_+_Final_Cd_&_Inital_LE_+_Final_LE.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 |
| 858638 | 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 |  |  |  |
| 858640 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-22 09:01 | 2026-02-22 09:01 | Waived | 2 - Non-Material C B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client Exception granted with compensating factors Income and Employment Do Not Meet Guidelines Allow NSF outside of guidelines (8 NSFs within the last 12 months, max 3) - Due Diligence Vendor-02/22/2026 |  | Waived-Client Exception granted with compensating factors Income and Employment Do Not Meet Guidelines Allow NSF outside of guidelines (8 NSFs within the last 12 months, max 3) - Due Diligence Vendor-02/22/2026 | 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 29.94 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 8.04% 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 - 11.60 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 - 11.61 Years | \* LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<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 |
| 858645 | 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 |  |  |  |
| 858666 | 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 |  |  |  |
| 858682 | 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 |  |  |  |
| 858683 | xxxxxx | D A | Closed | xxxxxx | 2026-02-23 21:26 | 2026-03-04 07:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Please see attached Title Report that meets the following on a Closed End Second <$250,000<br> 3.11.1 TITLE REPORT<br> For loan balances less than or equal to $250,000, provide one of the following:<br> o Owner and Encumbrance Report (O&E), to include:<br> Current Grantee / Owner<br> How property was conveyed to current owner<br> Liens (e.g., mortgage, UCC, other financing)<br> Involuntary liens and judgments<br> Property Tax Information with break-down of all taxes including special assessments<br> Legal Description<br> o ALTA Full Title Policy<br> o ALTA Short Form Residential Limited Coverage Junior Loan Policy - Due Diligence Vendor-03/03/2026 <br> Counter-The condition is for missing the Full Title Report/Policy - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Please attached title. - Due Diligence Vendor-02/26/2026 <br> Open-Title Document is missing There is no title policy, final or prelim, on the file. Please provide title documentation for the subject property (it looks like xxxxxx was the title company of record). - Due Diligence Vendor-02/24/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-03/04/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.01 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 - 7.00 Years | Title Document is missing | 858683_xxxxxx_Preliminary_Report.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 |
| 858694 | 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 |  |  |  |
| 858704 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858705 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858707 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858735 | 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 |  |  |  |
| 858740 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 23:47 | 2026-03-04 07:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached CD. \*xxxxxx pushed to TPR for Review. - Due Diligence Vendor-03/04/2026 <br> Open-Asset 3 Missing Missing proof of Proceeds received from a Secured Loan in the amount of xxxxxx. - Due Diligence Vendor-02/26/2026 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/04/2026 | 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>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.28% 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 10.3 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 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 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | 858740_xxxxxx_CD_-_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 |
| 858740 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 20:28 | 2026-03-02 10:01 | 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-03/02/2026 <br>Ready for Review-Document Uploaded. Please see attached UDM. - Due Diligence Vendor-02/26/2026 <br>Open-Borrower 1 Gap Credit Report is Missing 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 and is not found on file currently. Please provide - Due Diligence Vendor-02/25/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/02/2026 | 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>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.28% 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 10.3 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 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 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | 858740_xxxxxx_PTF_-_UDX_2.10.26.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 |
| 858768 | 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 |  |  |  |
| 858780 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858789 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 17:09 | 2026-03-06 17:47 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. 3/4/26 - NORTC attached. - Due Diligence Vendor-03/05/2026 <br>Open-Right of Rescission is Missing \*\*\*\*\*\*\*\*\*The Notice of Right to Cancel, executed by xxxxxx, has not been provided. - Due Diligence Vendor-03/04/2026 |  | Resolved-Right of Rescission is Provided - Due Diligence Vendor-03/06/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 740 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 - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.76 Are Greater Than The Guideline Minimum Of 0 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 - 11.57 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 - 11.58 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 Review858789_xxxxxx_3_4_2026_72521_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 |
| 858789 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 13:07 | 2026-03-05 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. 3/4/26 - please see attached HOI - Due Diligence Vendor-03/05/2026 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-03/03/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/05/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 740 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 - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.76 Are Greater Than The Guideline Minimum Of 0 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 - 11.57 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 - 11.58 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 |  | 858789_xxxxxx_HOI_(19).pdf<br> 858789_xxxxxx_HOI-_Invoice.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 |
| 858789 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 13:47 | 2026-03-05 08:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. 3/4/26 - please see UW approval. - Due Diligence Vendor-03/05/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/03/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/05/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 740 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 - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.76 Are Greater Than The Guideline Minimum Of 0 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 - 11.57 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 - 11.58 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 |  | 858789_xxxxxx_858789_xxxxxx_Final_LDL_2-20-26.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 |
| 858789 | xxxxxx | D A | Closed | xxxxxx | 2026-03-04 08:53 | 2026-03-05 08:36 | 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-03/05/2026 <br>Ready for Review-Document Uploaded. 3/4/26 - please see Lender bank statement income worksheet - Due Diligence Vendor-03/05/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/04/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/05/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 740 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 - 5.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.76 Are Greater Than The Guideline Minimum Of 0 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 - 11.57 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 - 11.58 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 |  | 858789_xxxxxx_858789_Bank_statement_worksheet.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 |
| 858800 | xxxxxx | B A | Closed | xxxxxx | 2026-02-19 13:44 | 2026-02-25 11:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: entity closings are only eligible under Business Purpose loan product. This loan closed vested as an Entity on a Non QM consumer loan. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/20/2026 <br> Open-Per xxxxxx Guidelines, entity closings are only eligible under Business Purpose loan product. This loan closed vested as an Entity on a Non QM consumer loan. - Due Diligence Vendor-02/19/2026 |  | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: entity closings are only eligible under Business Purpose loan product. This loan closed vested as an Entity on a Non QM consumer loan. - Due Diligence Vendor-02/22/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.82% 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 - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.1 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 - 10.23 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 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 - 10.24 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 | Compensating Factor 1 - Reserves exceed requirement by 10 months or more <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 |  | 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 |
| 858819 | 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 |  |  |  |
| 858831 | 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 |  |  |  |
| 858832 | 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 |  |  |  |
| 858837 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 22:29 | 2026-03-05 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. See attached fraud report - Due Diligence Vendor-03/05/2026 <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-03/04/2026 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/05/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.64 Are Greater Than The Guideline Minimum Of 12 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 0.2<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 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 49.37% 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 - 5 Years |  | 858837_xxxxxx_SS_cert.pdf<br> 858837_xxxxxx_ofac.pdf<br> 858837_xxxxxx_fraud_rpt.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 |
| 858837 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 23:20 | 2026-03-05 12:59 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-03/05/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/04/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/05/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.64 Are Greater Than The Guideline Minimum Of 12 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 0.2<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 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 49.37% 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 - 5 Years |  | 858837_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 |
| 858838 | 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 |  |  |  |
| 858850 | xxxxxx | D A | Closed | xxxxxx | 2026-02-10 00:47 | 2026-02-13 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. Please see questionnaire - Due Diligence Vendor-02/12/2026 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-02/10/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-02/13/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years Borrower At Current Residence For Five (5) Or More Years - 18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 98.8 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 16.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.8% 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 - 25.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.67 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 - 24.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.92 Years |  | 858850_xxxxxx_hoa_questionnaire.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858852 | xxxxxx | D A | Closed | xxxxxx | 2026-03-02 02:02 | 2026-03-05 11:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received ILE - Due Diligence Vendor-03/05/2026 <br>Resolved- - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see LE - Due Diligence Vendor-03/05/2026 <br>Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, 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-03/04/2026 <br>Open- - Due Diligence Vendor-03/04/2026 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $8,666.60.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-03/02/2026 <br>Open- - Due Diligence Vendor-03/02/2026 |  | Resolved-\*\*Received ILE - Due Diligence Vendor-03/05/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable 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 - 6.16 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 - 10.59 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.95 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 24.75% 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 769 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review858852_xxxxxx_3_4_2026_22206_PM.zip<br> 858852_xxxxxx-INITIAL_LE-SIGNED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858852 | xxxxxx | D A | Closed | xxxxxx | 2026-03-02 02:02 | 2026-03-05 11:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received ILE - Due Diligence Vendor-03/05/2026 <br>Resolved- - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see LE - Due Diligence Vendor-03/05/2026 <br>Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, 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-03/04/2026 <br>Open- - Due Diligence Vendor-03/04/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/02/2026 <br>Open- - Due Diligence Vendor-03/02/2026 |  | Resolved-\*\*Received ILE - Due Diligence Vendor-03/05/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable 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 - 6.16 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 - 10.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.95 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 29.55% 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 769 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review858852_xxxxxx_3_4_2026_22038_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858852 | xxxxxx | D A | Closed | xxxxxx | 2026-03-02 02:02 | 2026-03-05 11:10 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received ILE - Due Diligence Vendor-03/05/2026 <br>Resolved- - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see LE - Due Diligence Vendor-03/05/2026 <br>Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, 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-03/04/2026 <br>Open- - Due Diligence Vendor-03/04/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/02/2026 <br>Open- - Due Diligence Vendor-03/02/2026 |  | Resolved-\*\*Received ILE - Due Diligence Vendor-03/05/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable 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 - 6.16 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 - 10.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.95 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 29.55% 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 769 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review858852_xxxxxx_3_4_2026_22304_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858852 | xxxxxx | D A | Closed | xxxxxx | 2026-03-02 02:02 | 2026-03-05 11:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received ILE - Due Diligence Vendor-03/05/2026 <br>Resolved- - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see LE - Due Diligence Vendor-03/04/2026 <br>Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, 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-03/04/2026 <br>Open- - Due Diligence Vendor-03/04/2026 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,550.00) 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). - Due Diligence Vendor-03/02/2026 <br>Open- - Due Diligence Vendor-03/02/2026 |  | Resolved-\*\*Received ILE - Due Diligence Vendor-03/05/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable 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 - 6.16 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 - 10.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.95 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 29.55% 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 769 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review858852_xxxxxx_3_4_2026_20831_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858852 | xxxxxx | D A | Closed | xxxxxx | 2026-03-02 02:02 | 2026-03-05 11:10 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-\*\*Received ILE - Due Diligence Vendor-03/05/2026 <br> Resolved- - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please see LE - Due Diligence Vendor-03/04/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, 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-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into 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. Initial Loan Estimate is missing .A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ILE and proof of delivery to borrower. - Due Diligence Vendor-03/02/2026 <br> Open- - Due Diligence Vendor-03/02/2026 |  | Resolved-\*\*Received ILE - Due Diligence Vendor-03/05/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable 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 - 6.16 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 - 10.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.95 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 29.55% 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 769 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review858852_xxxxxx_3_4_2026_21407_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858852 | xxxxxx | D A | Closed | xxxxxx | 2026-03-02 18:12 | 2026-03-05 08:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved- - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Note with correct rate - Due Diligence Vendor-03/04/2026 <br>Open-The Final Note reflects an interest rate of 5.0%, while the Final Closing Disclosure reflect 8.25%. Documentation must be reconciled to resolve this discrepancy in accordance with RESPA requirements. - Due Diligence Vendor-03/02/2026 |  |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 - 6.16 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 - 10.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.95 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 29.55% 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 769 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 858852_xxxxxx-PROMISSORY_NOTE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858852 | xxxxxx | D A | Closed | xxxxxx | 2026-02-28 15:44 | 2026-03-05 08:29 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-03/04/2026 <br>Open-1008/Underwriting Summary Not Provided Provide 1008/Underwriting Summary with All the information. - Due Diligence Vendor-02/28/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/05/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable 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 - 6.16 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 - 10.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.95 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 29.55% 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 769 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 858852_xxxxxx_858852_xxxxxx_LDL_Report_2-18-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858852 | xxxxxx | D A | Closed | xxxxxx | 2026-02-28 15:25 | 2026-03-05 08:28 | 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-03/05/2026 <br>Resolved- - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see income worksheet - Due Diligence Vendor-03/05/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Provide Lender worksheet - Due Diligence Vendor-02/28/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/05/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable 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 - 6.16 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 - 10.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.95 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 29.55% 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 769 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 858852_xxxxxx_Loan-858852-20260213_111739_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858857 | 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 |  |  |  |
| 858862 | 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 |  |  |  |
| 858879 | 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 |  |  |  |
| 858882 | 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 |  |  |  |
| 858885 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858896 | xxxxxx | B A | Closed | xxxxxx | 2026-02-18 08:17 | 2026-02-22 09:15 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/22/2026 <br>Ready for Review-Document Uploaded. Please see attached 1008. - Due Diligence Vendor-02/22/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/18/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/22/2026 | <br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.92 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 42.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.71% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 45.71% Is Below The Guideline Maximum Of 70% 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 680 By Twenty (20) or More Points Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 858896_xxxxxx_1008.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 |
| 858929 | xxxxxx | C A | Closed | xxxxxx | 2026-02-06 03:06 | 2026-02-12 18:14 | Resolved | 1 - Information C A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-Executed Mortgage together with all Riders, signed in counter-part, has been provided - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Open-The Deed of Trust is Not Executed Provide the fully executed Deed of Trust. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 | Resolved-Executed Mortgage together with all Riders, signed in counter-part, has been provided - Due Diligence Vendor-02/12/2026 | <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.33 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 - 11.62 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 - 11.62 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 - 11.42 Years |  | MORTGAGE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858929 | xxxxxx | C A | Closed | xxxxxx | 2026-02-08 10:41 | 2026-02-12 18:14 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Mortgage Riders incomplete / inaccurate | Resolved-Executed Mortgage together with all Riders, signed in counter-part, has been provided - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Open-Provide the following fully executed Riders, Prepayment and Assignment of Leases and Rents. - Due Diligence Vendor-02/08/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 | Resolved-Executed Mortgage together with all Riders, signed in counter-part, has been provided - Due Diligence Vendor-02/12/2026 | <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.33 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 - 11.62 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 - 11.62 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 - 11.42 Years |  | MORTGAGE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858929 | xxxxxx | C A | Closed | xxxxxx | 2026-02-06 03:03 | 2026-02-12 18:13 | Resolved | 1 - Information C A | Compliance | Closing Package | The Note is Not Executed | Resolved-Executed Note signed in counter-part, has been provided - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Open-The Note is Not Executed Provide the fully executed Note. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 | Resolved-Executed Note signed in counter-part, has been provided - Due Diligence Vendor-02/12/2026 | <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.33 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 - 11.62 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 - 11.62 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 - 11.42 Years |  | NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858939 | 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 |  |  |  |
| 858946 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 00:47 | 2026-02-19 05:40 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/18/2026 <br> Counter-comment is insufficient to resolve. Copy of executed note has not been provided - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Tracking: xxxxxx<br> - Buyer-02/17/2026 <br> Open-The Note is Missing Provide Final Note for the Subject Property Located at xxxxxx. - Due Diligence Vendor-02/12/2026 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-02/19/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.63% 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 779 is Greater Than The Guideline Minimum Of 720 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 - 15.09 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 - 15.92 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.37% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxxxxx - Note.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 |
| 858946 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 00:51 | 2026-02-18 08:20 | 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-02/18/2026 <br> Resolved-The Deed of Trust is Missing DOT provided - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/17/2026 <br> Open-The Deed of Trust is Missing Provide Deed of Trust for the Subject Property Located at the xxxxxx. - Due Diligence Vendor-02/12/2026 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/18/2026 <br>Resolved-The Deed of Trust is Missing DOT provided - Due Diligence Vendor-02/18/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.63% 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 779 is Greater Than The Guideline Minimum Of 720 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 - 15.09 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 - 15.92 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.37% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxxxxx - DOT.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 |
| 859034 | 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 |  |  |  |
| 859035 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859037 | 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 |  |  |  |
| 859040 | 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 |  |  |  |
| 859053 | 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 |  |  |  |
| 859055 | xxxxxx | C A | Closed | xxxxxx | 2026-02-18 11:18 | 2026-02-22 11:23 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: File # is missing | Resolved-\*\*Received FCD with all pages. - Due Diligence Vendor-02/22/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Open-Final CD , 5Th page missing , Loan calculation and Signature page - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026 | Resolved-\*\*Received FCD with all pages. - Due Diligence Vendor-02/22/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.22 Are Greater Than The Guideline Minimum Of 3 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 - 10.25 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 - 10.73 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 - 10.72 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.09% 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 709 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxxxxx FCD.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 |
| 859058 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859070 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859082 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859086 | xxxxxx | B A | Closed | xxxxxx | 2026-02-17 01:39 | 2026-02-19 13:25 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please find the UW Approval uploaded. xxxxxx! - Due Diligence Vendor-02/19/2026 <br>Open-1008/Underwriting Summary Not Provided Final 1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/17/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/19/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 776 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 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 11.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 859086_xxxxxx_859086_ldl-report_2620269202_092002.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 |
| 859108 | xxxxxx | B A | Closed | xxxxxx | 2026-02-18 17:02 | 2026-02-19 15:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors The Builder is in control of the HOA Builder in control and investor concentration exceeds max 60%. Exception in file pg 567 - Due Diligence Vendor-02/19/2026 |  | Waived-Client Exception granted with compensating factors The Builder is in control of the HOA Builder in control and investor concentration exceeds max 60%. Exception in file pg 567 - Due Diligence Vendor-02/19/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 105.61 Are Greater Than The Guideline Minimum Of 3 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 - 10 Years Borrower At Current Residence For Five (5) Or More Years - 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 - 10.27 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.27 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 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 14.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 64.52% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  |  | 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 |
| 859233 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859238 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 08:16 | 2026-02-05 09:07 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. See 1008 - Due Diligence Vendor-02/04/2026 <br> Open-1008/Underwriting Summary Not Provided 1008/Underwriting Summary and Loan Approval Not Provided. - Due Diligence Vendor-02/02/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/05/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 805 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 14.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.43 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 - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 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 - 6.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.42 Years |  | 859238_xxxxxx_1008.pdf<br> 859238_xxxxxx_Approval.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 |
| 859238 | xxxxxx | D A | Closed | xxxxxx | 2026-02-02 09:40 | 2026-02-05 09:04 | 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-02/05/2026 <br> Ready for Review-Document Uploaded. See xxxxxx - Due Diligence Vendor-02/04/2026 <br> Open-Borrower 1 Gap Credit Report is Missing . Note date = xxxxxx, cbr = xxxxxx. Section 2.6.2 of Guidelines requires a GAP credit report no more than 30 days from closing. - Due Diligence Vendor-02/02/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/05/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 805 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 14.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.43 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 - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 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 - 6.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.42 Years |  | 859238_xxxxxx_pull.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 |
| 859245 | 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 - Home Improvement/Reno |  |  |  |
| 859251 | 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 |  |  |  |
| 859287 | 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 |  |  |  |
| 859296 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859310 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-19 17:52 | 2026-03-02 10:16 | Waived | 2 - Non-Material C B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Waived-Client Exception granted with compensating factors Use of H8 form in lieu of H9 form is deemed immaterial in circuit 9 court. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached the updated one. Borrowers signed both H8 and H9 forms at the time signing loan docs. xxxxxx - Seller-02/27/2026 <br> Counter-\*\*Received executed NORTC in correct form model, however, the transaction date and cancel date are incorrect, were not updated at the time that the borrowers executed. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-02/27/2026 <br> Counter-The H8 form model has not replaced the H9 form model. Lender to consult with internal legal/compliance dept. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-xxxxxx Team, the latest version of the ROR form is H8, as confirmed via xxxxxx. The H8 form has replaced the previous H9 form. - Seller-02/24/2026 <br> Counter-xxxxxx is identified as the originating lender on Security Instrument dated xxxxxx and recorded xxxxxx. The Correct/required ROR model form is an H9, correct Right to Cancel form type has not been provided. xxxxxx - Due Diligence Vendor-02/20/2026 <br> Ready for Review-xxxxxx Team, the latest version is H8 form per xxxxxx and it's replaced for H9 form. Please waive this condition. xxxxxx - Seller-02/19/2026 <br> Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). \*\*\*Subject loan is a same lender refinance. Notice of Right to Cancel provided to the borrower is in the H8 from model intended for a new creditor. The correct form model is the H9. Lender to confirm if the correct form model was executed at closing and provide a copy of thee executed form. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached the updated one. Borrowers signed both H8 and H9 forms at the time signing loan docs. xxxxxx - Seller-02/27/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-02/27/2026 <br> Ready for Review-xxxxxx Team, the latest version of the ROR form is H8, as confirmed via xxxxxx. The H8 form has replaced the previous H9 form. - Seller-02/24/2026 <br> Ready for Review-xxxxxx Team, the latest version is H8 form per xxxxxx and it's replaced for H9 form. Please waive this condition. xxxxxx - Seller-02/19/2026 | Waived-Client Exception granted with compensating factors Use of H8 form in lieu of H9 form is deemed immaterial in circuit 9 court. - Due Diligence Vendor-03/02/2026 | 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 - 11.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.44 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 730 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 42.22% Is Less Than The Guideline Maximum Of 50% 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 80% By Ten Percent (10%) Or More |  | xxxxxx_Condition.pdf<br> xxxxxx_Condition1.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 | Investor Post-Close | No | xxxxxx |
| 859310 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-18 16:16 | 2026-02-20 14:59 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2026 <br> Resolved- - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement date on xxxxxx. xxxxxx - Seller-02/20/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement date on xxxxxx. xxxxxx - Seller-02/20/2026 | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2026 | 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 - 11.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.44 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 730 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 42.22% Is Less Than The Guideline Maximum Of 50% 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 80% By Ten Percent (10%) Or More |  | xxxxxx_PCCD.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 |
| 859313 | 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 |  |  |  |
| 859321 | xxxxxx | D A | Closed | xxxxxx | 2026-02-23 04:15 | 2026-02-27 13:11 | 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-02/27/2026 <br>Ready for Review-Document Uploaded. See attached fraud report - Due Diligence Vendor-02/25/2026 <br>Open-Missing Third Party Fraud Report Third party fraud report not uploaded with loan file. Please provide, or if ok with only OFAC check on credit report, submit language showing you are ok not obtaining the rest of the information typically found on a fraud report. - Due Diligence Vendor-02/23/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/27/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>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 - 6.96 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 859321_xxxxxx_fraud_clear.pdf<br> 859321_xxxxxx_fraud_rpt.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859614 | 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 |  |  |  |
| 859618 | xxxxxx | D A | Closed | xxxxxx | 2026-02-19 09:34 | 2026-02-22 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA documents provided - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. 2/20/26 - Please see attached. HOA REO xxxxxx.pdf and HOA Primary Residence xxxxxx.pdf<br> HOA dues for Primary - $119.48 monthly (per doc)<br> HOA dues for xxxxxx - $990 per annum ($495 semi-annual per doc) - Due Diligence Vendor-02/20/2026 <br> Open- Missing HOA for primary residence xxxxxx and REO xxxxxx - Due Diligence Vendor-02/19/2026 |  | Resolved-HOA documents provided - Due Diligence Vendor-02/22/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.87% 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 - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.04 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 814 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 859618_xxxxxx_HOA_REO_xxxxxx.pdf<br> 859618_xxxxxx_HOA_Primary_Residence_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859622 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-11 00:34 | 2026-02-20 10:31 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 2 Deed of Trust Signature does not match Note | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Signature does not match Note Note is missing LLC and title - Due Diligence Vendor-02/20/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/19/2026 <br> Open-Borrower 2 Signature does not match Note Note is missing LLC and title. - Due Diligence Vendor-02/11/2026 |  | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Signature does not match Note Note is missing LLC and title - Due Diligence Vendor-02/20/2026 | 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<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 - 16.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.68 Are Greater Than The Guideline Minimum Of 3 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 - 19.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.6% 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 - 16.90 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 - 16.90 Years | Compensating Factor 1 - Credit Score 20 points > minimum required <br> Compensating Factor 2 - Employed at same job > 5 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 859622 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-11 00:34 | 2026-02-20 10:31 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Signature does not match Note Note is missing LLC and title - Due Diligence Vendor-02/20/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/19/2026 <br> Open-Borrower 1 Signature does not match Note Note is missing LLC and title. - Due Diligence Vendor-02/11/2026 |  | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: Signature does not match Note Note is missing LLC and title - Due Diligence Vendor-02/20/2026 | 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<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 - 16.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.68 Are Greater Than The Guideline Minimum Of 3 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 - 19.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.6% 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 - 16.90 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 - 16.90 Years | Compensating Factor 1 - Credit Score 20 points > minimum required <br> Compensating Factor 2 - Employed at same job > 5 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 859622 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-11 00:53 | 2026-02-12 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/12/2026 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-02/11/2026 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/12/2026 | 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<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 - 16.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.68 Are Greater Than The Guideline Minimum Of 3 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 - 19.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.6% 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 - 16.90 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 - 16.90 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859629 | xxxxxx | D A | Closed | xxxxxx | 2026-02-20 22:02 | 2026-02-26 13:26 | 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-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/24/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/26/2026 | 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 - 20.00 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 - 9.95 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.42 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 786 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 39.63% 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 0.08 |  | 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 |
| 859630 | 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 |  |  |  |
| 859660 | 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 |  |  |  |
| 859663 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-19 15:17 | 2026-03-02 11:02 | Waived | 2 - Non-Material C B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Waived-Client Exception granted with compensating factors Use of H8 form in lieu of H9 form is deemed immaterial in 9th circuit court - Due Diligence Vendor-03/02/2026 <br>Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). \*\*\*\*\*\* Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 ~~~~ - Due Diligence Vendor-02/19/2026 |  | Waived-Client Exception granted with compensating factors Use of H8 form in lieu of H9 form is deemed immaterial in 9th circuit court - Due Diligence Vendor-03/02/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.11% 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 13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 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 - 25.12 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 - 26.00 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 | Investor Post-Close | No | xxxxxx |
| 859664 | 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 |  |  |  |
| 859684 | 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 |  |  |  |
| 859716 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 13:40 | 2026-03-25 13:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow subject living area of xxxxxx sf. - Due Diligence Vendor-03/25/2026 <br> Open-Subject property living area does not meet guideline minimum of 700 sf. (xxxxxx sf) - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow subject living area of xxxxxx sf. - Due Diligence Vendor-03/25/2026 | 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<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 23.58% 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 116.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 859737 | 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 |  |  |  |
| 859738 | 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 |  |  |  |
| 859745 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 02:20 | 2026-03-11 12:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-03/11/2026 <br>Open-Title Document is missing The title document was not provided. - Due Diligence Vendor-03/10/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-03/11/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.76 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 27.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | 859745_xxxxxx_Title_Commitment-Preliminary_Report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859746 | xxxxxx | B A | Closed | xxxxxx | 2026-01-02 06:51 | 2026-01-02 06:51 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW THE USE OF 2 BUSINESSES FOR INCOME QUALIFICATION (xxxxxx). PROGRAM ONLY ALLOWS 1 BUSINESS - Due Diligence Vendor-01/02/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW THE USE OF 2 BUSINESSES FOR INCOME QUALIFICATION (xxxxxx AND xxxxxx). PROGRAM ONLY ALLOWS 1 BUSINESS - Due Diligence Vendor-01/02/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.27% 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 9.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.22% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) 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 - 24.48 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 - 24.42 Years | Customer has additional assets that were not used for reserves, low LTV. Good Payment history for the past 24+ 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 |
| 859746 | xxxxxx | B A | Closed | xxxxxx | 2026-01-02 06:50 | 2026-01-02 06:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with compensating factors Audited FICO of 656 is less than Guideline FICO of 660 656 FICO DOES NOT MEET THE MINIMUM REQUIREMENT OF 680 FOR xxxxxx LOAN AMOUNT - Due Diligence Vendor-01/02/2026 |  | Waived-Client Exception granted with compensating factors Audited FICO of 656 is less than Guideline FICO of 660 656 FICO DOES NOT MEET THE MINIMUM REQUIREMENT OF 680 FOR xxxxxx LOAN AMOUNT - Due Diligence Vendor-01/02/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.27% 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 9.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.22% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) 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 - 24.48 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 - 24.42 Years | Customer has additional assets that were not used for reserves, low LTV. Good Payment history for the past 24+ 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 |
| 859747 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-11 13:45 | 2026-02-14 09:54 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-I-797 NOTICE OF ACTION DEPARTMENT OF HOMELAND SECURITY xxxxxx provided - Due Diligence Vendor-02/14/2026 <br> Ready for Review-Document Uploaded. There is no permanent card, as the borrower is a non-permanent resident. - Seller-02/13/2026 <br> Counter-The condition is for Missing PRA card (permanent resident card) - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Open-Missing permanent resident card - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. There is no permanent card, as the borrower is a non-permanent resident. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 | Resolved-I-797 NOTICE OF ACTION DEPARTMENT OF HOMELAND SECURITY xxxxxx CITIZENSHIP AND IMMIGRATION SERVICES provided - Due Diligence Vendor-02/14/2026 | 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 24.03% 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 0.17 |  | ID.pdf<br>VISA.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 |
| 859747 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-10 03:49 | 2026-02-13 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Open-Missing Flood Certificate - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 | Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/13/2026 | 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 24.03% 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 0.17 |  | FLOOD CERT.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 |
| 859747 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-10 04:07 | 2026-02-13 10:41 | 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-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/13/2026 | 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 24.03% 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 0.17 |  | 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 |
| 859747 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-10 04:26 | 2026-02-10 04:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 2 YEARS EXISTENCE OF BUSINESS BEING USED TO SOURCE INCOME.<br> BUSINESS WAS FORMED xxxxxx - Due Diligence Vendor-02/10/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO ALLOW LESS THAN 2 YEARS EXISTENCE OF BUSINESS BEING USED TO SOURCE INCOME.<br> BUSINESS WAS FORMED xxxxxx - Due Diligence Vendor-02/10/2026 | 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 24.03% 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 0.17 | Housing ratio 21.939%<br> Debt ratio 26.313%<br> Borrower exceeds minimum credit score requirement by 63 points<br> Payment shock of 106.873% |  | 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 |
| 859747 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-10 04:25 | 2026-02-10 04:25 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived-Client Exception granted with compensating factors INCOME STATEMENT SHOWS 18 NEGATIVE BALANCES IN THE PAST 12 MONTHS,<br> EXCEEDING THE GUIDELINE LIMIT OF 3 OCCURRENCES - Due Diligence Vendor-02/10/2026 |  | Waived-Client Exception granted with compensating factors INCOME STATEMENT SHOWS 18 NEGATIVE BALANCES IN THE PAST 12 MONTHS,<br> EXCEEDING THE GUIDELINE LIMIT OF 3 OCCURRENCES - Due Diligence Vendor-02/10/2026 | 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 24.03% 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 0.17 | Housing ratio 21.939%<br> Debt ratio 26.313%<br> Borrower exceeds minimum credit score requirement by 63 points<br> Payment shock of 106.873% |  | 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 |
| 859748 | 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 |  |  |  |
| 859749 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-10 07:47 | 2026-02-13 12:45 | 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-02/13/2026 <br> Ready for Review-Document Uploaded. Please note that verbal was done xxxxxx, but I dated the form same with the date we closed the loan. <br>- Seller-02/12/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE for Verify the Business Status and Its Provided by xxxxxx Client. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Please note that verbal was done xxxxxx, but I dated the form same with the date we closed the loan. <br>- Seller-02/12/2026 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/13/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.75 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 - 5.74 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.53% 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859749 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-10 06:58 | 2026-02-10 07:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with compensating factors Audited FICO of 645 is less than Guideline FICO of 660 645 FICO DOES NOT MEET THE MINIMUM REQUIREMENT OF 660. - Due Diligence Vendor-02/10/2026 |  | Waived-Client Exception granted with compensating factors Audited FICO of 645 is less than Guideline FICO of 660 645 FICO DOES NOT MEET THE MINIMUM REQUIREMENT OF 660. - Due Diligence Vendor-02/10/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.75 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 - 5.74 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Low LTV, LOW DTI, low consumer debt, borrower has other property that is free and clear. |  | 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 |
| 859750 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-09 06:19 | 2026-03-03 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.16 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Counter-Please review the Final CD document uploaded in the condition - the Final CD reflects $20K EMD and Seller Credit of $7681.39 = Total CTC $143,022.54 - Verified Assets $146,884.94 - File consists of 3 Gift Letters (1) $20K from Cousin xxxxxx xxxxxx (2) duplicate GL $20K Cousin xxxxxx xxxxxx from (1) and (3) $20K from Cousin xxxxxx xxxxxx "Missing proof of Wires to the title company and PCCD with the correct figures listed above." - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Counter-Document Uploaded. Final CD reflects $20K EMD and Seller Credit of $7681.39 = Total CTC $143,022.54 - File consists of 3 Gift Letters (1) $20K from Cousin xxxxxx xxxxxx (2) duplicate GL $20K Cousin xxxxxx xxxxxx from (1) and (3) $20K from Cousin xxxxxx xxxxxx - Also Missing proof of Wires to the title company and PCCD with the correct figures listed above. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Borrower's total assets is 146,884.94 that can cover at least 6 months reserves. Please see attached 1008 and Asset summary form. - Seller-02/12/2026 <br> Open-Audited Reserves of 0.66 are less than Guideline Required Reserves of 6 Total Liquid Assets Available For Close<br> $146,884.94<br> Cash required from borrower $143022.54<br> Liquid funds post close $3862.40<br>Total Housing Expense (PITIA) $5,873.30 x 6 mos reserves = $35239.86<br> Total reserves amount shortage -$31377.46<br> - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. Borrower's total assets is 146,884.94 that can cover at least 6 months reserves. Please see attached 1008 and Asset summary form. - Seller-02/12/2026 | Resolved-Audited Reserves of 6.16 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-03/03/2026 | 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 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 - 8.99 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 |  | 1008 - xxxxxx.pdf<br> Asset Summary - xxxxxx.pdf<br> Final CD.jpg<br> Escrow receipt - gift funds at closing.pdf<br> borrower funds to close.pdf<br> VERIFICATION EARNEST MONEY DEPOSIT TO TITLE.pdf<br> GIFT LETTER WITH DONORS ABILITY.pdf<br> REVISED FINAL CLOSING DISCLOSURE.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 |
| 859750 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-09 05:28 | 2026-02-09 09:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors The Builder is in control of the HOA EXCEPTION FOR xxxxxx IS A NEW PROJECT AND DEVELOPER IS IN CONTROL OF THE ASSOCIATION. - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factors The Builder is in control of the HOA EXCEPTION FOR xxxxxx IS A NEW PROJECT AND DEVELOPER IS IN CONTROL OF THE ASSOCIATION. - Due Diligence Vendor-02/09/2026 | 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 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 - 8.99 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 | . FICO 784 2. RESIDUAL INCOME IS $4,007.94, MIN, REQUIRED IS $2,400 |  | 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 |
| 859750 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-09 06:22 | 2026-02-09 06:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION FOR xxxxxx IS A NEW PROJECT AND DEVELOPER IS IN CONTROL OF THE ASSOCIATION.<br> - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factors Condo project does not meet guidelines. EXCEPTION FOR xxxxxx IS A NEW PROJECT AND DEVELOPER IS IN CONTROL OF THE ASSOCIATION.<br> - Due Diligence Vendor-02/09/2026 | 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 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 - 8.99 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 | FICO 784 2. RESIDUAL INCOME IS $4,007.94, MIN, REQUIRED IS $2,400 |  | 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 |
| 859750 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-09 06:20 | 2026-02-09 06:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contributions Do Not Meet Guidelines | Waived-Client Exception granted with compensating factors EXCEPTION FOR SELLER CREDIT OF $20,000 EXCEEDS THE NON-RECURRING CLOSING COSTS OF $7,681.39. - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION FOR SELLER CREDIT OF $20,000 EXCEEDS THE NON-RECURRING CLOSING COSTS OF $7,681.39. - Due Diligence Vendor-02/09/2026<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 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 - 8.99 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 | FICO 784 2. RESIDUAL INCOME IS $4,007.94, MIN, REQUIRED IS $2,400 |  | 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 |
| 859750 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-09 06:19 | 2026-02-09 06:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client Exception granted with compensating factors Audited DTI of 45.65% exceeds Guideline DTI of 43% DTI OF 45.649% EXCEEDS THE MAX ALLOWED OF 43% FOR PL ONLY OPTION. - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factors Audited DTI of 45.65% exceeds Guideline DTI of 43% DTI OF 45.649% EXCEEDS THE MAX ALLOWED OF 43% FOR PL ONLY OPTION. - Due Diligence Vendor-02/09/2026 | 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 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 - 8.99 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 | FICO 784 2. RESIDUAL INCOME IS $4,007.94, MIN, REQUIRED IS $2,400 |  | 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 |
| 859751 | 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 |  |  |  |
| 859752 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-27 06:17 | 2026-02-09 10:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received Initial CD<br> - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/06/2026 <br> Counter-\*\*Received the initial disclosure package. We are still missing the initial closing disclosure with evidence that borrower received it at least 3 business days prior to closing. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <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-01/27/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 | Resolved-Received Initial CD<br> - Due Diligence Vendor-02/09/2026 | 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 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 0.14<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 - 9.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.54 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | INITIAL DISCLOSURE PACKAGE.pdf<br> VERIFICATION OF RECEIPT OF CD - xxxxxxxxxxxx.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 |
| 859752 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-09 10:45 | 2026-02-09 10:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received Initial CD<br> - Due Diligence Vendor-02/09/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $685.00.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-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received Initial CD<br> - Due Diligence Vendor-02/09/2026 | 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 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 0.14<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 - 9.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.54 Are Greater Than The Guideline Minimum Of 9 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 |
| 859752 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-09 10:45 | 2026-02-09 10:54 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received Initial CD<br> - Due Diligence Vendor-02/09/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/09/2026 <br>Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received Initial CD<br> - Due Diligence Vendor-02/09/2026 | 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 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 0.14<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 - 9.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.54 Are Greater Than The Guideline Minimum Of 9 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 |
| 859752 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-09 10:45 | 2026-02-09 10:54 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received Initial CD<br> - Due Diligence Vendor-02/09/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received Initial CD<br> - Due Diligence Vendor-02/09/2026 | 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 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 0.14<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 - 9.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.54 Are Greater Than The Guideline Minimum Of 9 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 |
| 859752 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-27 02:48 | 2026-02-05 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. - Seller-02/04/2026 <br>Open-Third Party Fraud Report Partially Provided in file pg 683-684 - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026 | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/05/2026 | 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 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 0.14<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 - 9.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.54 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | ADV-120 REPORT - 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 |
| 859752 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-27 05:24 | 2026-01-27 05:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors Payment Shock Does Not Meet Guideline Requirements Exception required for >300% payment shock - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factors Payment Shock Does Not Meet Guideline Requirements Exception required for >300% payment shock - Due Diligence Vendor-01/27/2026 | 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 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 0.14<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 - 9.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.54 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months | \* 22 months reserves <br> • 738 FICO score <br> • C1 property condition <br> • $31,674.79 residual income |  | 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 |
| 859752 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-27 05:22 | 2026-01-27 05:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client Exception granted with compensating factors Audited DTI of 46.15% exceeds Guideline DTI of 43% Exception required for 45% DTI, maximum DTI allowed is 43% - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factors Audited DTI of 45.8% exceeds Guideline DTI of 43% Exception required for 45% DTI, maximum DTI allowed is 43% - Due Diligence Vendor-01/27/2026 | 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 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 0.14<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 - 9.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.54 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months | \* 22 months reserves <br> • 738 FICO score <br> • C1 property condition <br> • $31,674.79 residual income |  | 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 |
| 859753 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 04:31 | 2026-02-09 10:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-Client Exception granted with compensating factors SUBJECT PROPERTY IS ZONED xxxxxx WHICH IS INELIGIBLE, APPROVAL TO PROCEED WITH CURRENT<br> ZONING Appraisal confirms the subject is < 5 acres and use is not agricultural, neighborhood is > 75% built up in residential suburban neighborhood providing comps all < 3 miles from the subject- Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factors SUBJECT PROPERTY IS ZONED xxxxxx WHICH IS INELIGIBLE, APPROVAL TO PROCEED WITH CURRENT<br> ZONING - Due Diligence Vendor-02/09/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.55 Are Greater Than The Guideline Minimum Of 3 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 65% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.35% 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 - 14.00 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 - 14.08 Years | Low LTV, Low DTI, Reserves, Income Stability |  | 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 |
| 859753 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 04:33 | 2026-02-09 10:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client Exception granted with compensating factors BORROWER DOES NOT MEET THE MINIMUM TRADELINE REQUIREMENTS -- THE BORROWER HAD ONLY 1<br> TRADELINE ACTIVE WITHIN THE LAST 12 MONTHS - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factors BORROWER DOES NOT MEET THE MINIMUM TRADELINE REQUIREMENTS -- THE BORROWER HAD ONLY 1<br> TRADELINE ACTIVE WITHIN THE LAST 12 MONTHS - Due Diligence Vendor-02/09/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.55 Are Greater Than The Guideline Minimum Of 3 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 65% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.35% 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 - 14.00 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 - 14.08 Years | Low LTV, Low DTI, Reserves, Income Stability |  | 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 |
| 859753 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 04:35 | 2026-02-09 10:11 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Client Exception granted with compensating factors EXCEPTION REQUEST TO ALLOW THE USE OF A BROKER PULLED CREDIT Supplement as acceptable documentation for mortgage verification. - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION REQUEST TO ALLOW THE USE OF A BROKER PULLED CREDIT Supplement as acceptable documentation for mortgage verification. - Due Diligence Vendor-02/09/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.55 Are Greater Than The Guideline Minimum Of 3 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 65% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.35% 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 - 14.00 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 - 14.08 Years | Low LTV, Low DTI, Reserves, Income Stability |  | 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 |
| 859756 | xxxxxx | D A | Closed | xxxxxx | 2026-01-29 17:05 | 2026-02-06 16:36 | 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-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/06/2026 <br>Counter-The condition is for Missing GAP/Credit Refresh report - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/06/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<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 - 6.54 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.56% 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 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CREDIT REPORT.pdf<br> Credit_Report_xxxxxx_xxxxxx.pdf<br> 1003 - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859756 | xxxxxx | D A | Closed | xxxxxx | 2026-01-29 17:06 | 2026-01-30 12:07 | 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-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/30/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<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 - 6.54 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.56% 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 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | ADV-120 REPORT - xxxxxx xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859761 | 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 |  |  |  |
| 859776 | 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 |  |  |  |
| 859783 | xxxxxx | D A | Closed | xxxxxx | 2026-03-04 10:51 | 2026-03-06 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 6 Missing | Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attached xxxxxx Statement. - Due Diligence Vendor-03/06/2026 <br>Open-Asset 6 Missing Missing asset statement that represents the assets balance $40,548.32 for borrower #2 - Due Diligence Vendor-03/04/2026 |  | Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-03/06/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 686.46 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 is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 764 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 Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 38.46% 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 41.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 859783_xxxxxx_-_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 |
| 859806 | xxxxxx | C A | Closed | xxxxxx | 2026-03-02 16:13 | 2026-03-02 16:15 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test | Resolved-\*\*\*N/A - Due Diligence Vendor-03/02/2026 <br>Resolved- - Due Diligence Vendor-03/02/2026 <br>Open-This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did 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 C. 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 can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-03/02/2026 |  | Resolved-\*\*\*N/A - Due Diligence Vendor-03/02/2026 | 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 - 21.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 353.83 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 - 20.99 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.74% 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 - 23.83 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 674 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 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859811 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-05 08:59 | 2026-03-11 08:46 | 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-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached Fraud Report.<br> Please also note the guidelines is for 30 days not 10 days.<br> Guideline: 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-03/10/2026 <br> Counter-Provide the Full Fraud report with UDM within 10 days from the Note date (the date that's on the Document provided in this condition is dated xxxxxx which is the original CBR date) - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see the UDM. xxxxxx! - Due Diligence Vendor-03/09/2026 <br> Open-Borrower 1 Gap Credit Report is Missing xxxxxx guidelines require a gap credit report no later than 10 days prior to loan closing or any time after closing. There does not appear to be one on file, please provide. - Due Diligence Vendor-03/05/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.85% Is Below the Guideline Maximum Of 85% 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 - 27.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 859811_xxxxxx_Borrower_1_Gap_Report_xxxxxx.pdf<br> 859811_xxxxxx_Fraud_Report.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 |
| 859811 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-05 10:44 | 2026-03-10 16:11 | Waived | 2 - Non-Material C B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Waived-Client Exception granted with compensating factors Documentation provided is another copy of the H8 form. Investor recognizes "similar form" downgrading for H8 form used rather than an H9, based on circuit court. xxxxxx resides in xxxxxx --- finding downgraded to xxxxxx - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. Please see attached Right to Cancel Form. - Due Diligence Vendor-03/09/2026 <br> Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). \*\*\*\*\*\*Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-03/05/2026 |  | Waived-Client Exception granted with compensating factors Documentation provided is another copy of the H8 form. Investor recognizes "similar form" downgrading for H8 form used rather than an H9, based on circuit court. xxxxxx resides in xxxxxx --- finding downgraded to xxxxxx - Due Diligence Vendor-03/10/2026 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.85% Is Below the Guideline Maximum Of 85% 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 - 27.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 859811_xxxxxx_Right_to_Cancel_(_Recission)_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 | Investor Post-Close | No | xxxxxx |
| 859820 | xxxxxx | D A | Closed | xxxxxx | 2026-02-25 13:33 | 2026-03-05 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Lender provided additional information. Final Title in name of borrower only. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-03/05/2026 <br> Counter-Document Uploaded. xxxxxx for the confusion, Subject Loan is a Primary Refinance - the Title states the current vesting is xxxxxx a single man, as to an undivided 50% interest and xxxxxx, as to an undivided 50% interest as tenants in common Subject to item no. 9 in exceptions - #9 states An abstract of judgment for the amount shown below and any other amounts due $3,423.90 creditor xxxxxx. Warranty Deed showing LLC transferred and is in the Bwr's name only. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Vesting in Individual only. Please see attached. - Due Diligence Vendor-03/03/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Loan is vesting 50% individually vested but also 50% in an LLC, requiring Articles of Incorporation, an Operating Agreement, a certificate of good standing, and/or evidence of an EIN. These documents do not appear to be on file, please provide. - Due Diligence Vendor-02/25/2026 |  | Resolved-Lender provided additional information. Final Title in name of borrower only. - Due Diligence Vendor-03/05/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.47% 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 - 11.13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.52 Are Greater Than The Guideline Minimum Of 0 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 - 11.12 Years |  | 859820_xxxxxx_Deed_of_Trust.pdf<br> 859820_xxxxxx_Preliminary_Report.pdf<br> Screenshot 2026-03-04 070802.jpg<br> Screenshot 2026-03-04 070914.jpg<br> 859820_xxxxxx_Upd_Title_Supplemental_Report.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 |
| 859833 | xxxxxx | C A | Closed | xxxxxx | 2026-02-26 00:55 | 2026-03-02 15:39 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received Initial CD - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. Initial CD - Due Diligence Vendor-02/27/2026 <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.<br> - Due Diligence Vendor-02/26/2026 |  | Resolved-\*\*Received Initial CD - Due Diligence Vendor-03/02/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 24.84 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 38.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.67% Is Less Than The Guideline Maximum Of 50% 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 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<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 - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years |  | Full Review859833_xxxxxx_2_27_2026_13858_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 |
| 859833 | xxxxxx | C A | Closed | xxxxxx | 2026-02-26 00:55 | 2026-03-02 15:36 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Received Initial CD - Due Diligence Vendor-03/02/2026 <br> Resolved- - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Loan lock disclosure and CD - Due Diligence Vendor-02/27/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. \*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $5,387.38 . A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-02/26/2026 <br> Open- - Due Diligence Vendor-02/26/2026 <br> Open- - Due Diligence Vendor-02/26/2026 <br> Open- - Due Diligence Vendor-02/26/2026 <br> Open- - Due Diligence Vendor-02/26/2026 |  | Resolved-\*\*Received Initial CD - Due Diligence Vendor-03/02/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 24.84 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 38.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.67% Is Less Than The Guideline Maximum Of 50% 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 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<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 - 8.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.67 Years |  | Full Review859833_xxxxxx_2_27_2026_15501_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 |
| 859834 | xxxxxx | C A | Closed | xxxxxx | 2026-02-18 02:15 | 2026-02-20 16:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2026 <br>Resolved- - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. COC is on the last page - Due Diligence Vendor-02/20/2026 <br>Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $880.80. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $880.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/18/2026 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $880.80.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). The following charges have been either added or increased : Points and loan discount Fee resulting in a 0% tolerance cure in the amount of $880.80. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $880.80is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/18/2026 <br>Open- - Due Diligence Vendor-02/18/2026 <br>Open- - Due Diligence Vendor-02/18/2026 <br>Open- - Due Diligence Vendor-02/18/2026 |  | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 41.98 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 is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 732 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 3.71% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review859834_xxxxxx_2_19_2026_45756_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 |
| 859834 | xxxxxx | C A | Closed | xxxxxx | 2026-02-18 02:15 | 2026-02-20 16:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2026 <br>Resolved- - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. COC is on the last page - Due Diligence Vendor-02/20/2026 <br>Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $880.80. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $880.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/18/2026 <br>Open- - Due Diligence Vendor-02/18/2026 <br>Open- - Due Diligence Vendor-02/18/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/18/2026 <br>Open- - Due Diligence Vendor-02/18/2026 |  | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 41.98 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 is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 732 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 3.71% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review859834_xxxxxx_2_19_2026_45758_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 |
| 859834 | xxxxxx | C A | Closed | xxxxxx | 2026-02-18 02:15 | 2026-02-20 16:19 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2026 <br>Resolved- - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. COC is on the last page - Due Diligence Vendor-02/20/2026 <br>Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $880.80. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $880.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/18/2026 <br>Open- - Due Diligence Vendor-02/18/2026 <br>Open- - Due Diligence Vendor-02/18/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/18/2026 <br>Open- - Due Diligence Vendor-02/18/2026 |  | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 41.98 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 is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 732 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 3.71% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | 859834_xxxxxx_COC_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 |
| 859836 | 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 |  |  |  |
| 859855 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-27 13:05 | 2026-03-02 15:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factors New Condo presale is less than 50% - Due Diligence Vendor-03/02/2026 <br> Open-The Builder is in control of the HOA. Per section 2.10.3.3 of the Guidelines, 50% of the total units must be sold/under contract. Subject has xxxxxx of xxxxxx units sold or `9%. - Due Diligence Vendor-03/02/2026 |  | Waived-Client Exception granted with compensating factors New Condo presale is less than 50% - Due Diligence Vendor-03/02/2026 | 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 Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 10.83 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 180.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 180.48 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 28.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Employed at same job > 5 years<br> Credit Score Credit Score 30+ points > minimum required<br> Reserves 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 |
| 859867 | 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 |  |  |  |
| 859924 | 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 |  |  |  |
| 859935 | 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 |  |  |  |
| 859971 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859978 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-26 12:49 | 2026-03-11 08:51 | 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-03/11/2026 <br>Ready for Review-Document Uploaded. Please see attached VOE. - Due Diligence Vendor-03/10/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 - 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-02/26/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/11/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments. Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 5.12 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months. Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 859978_xxxxxx_VOE.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 |
| 859978 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-26 12:49 | 2026-03-11 08:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/03/2026 <br>Resolved- - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Please see attached Operating Agreement to show percentage of ownership and tenure of business. - Due Diligence Vendor-03/02/2026 <br>Open-Borrower 1 CPA Letter Missing Borrower 1 - CPA Letter Missing. - Due Diligence Vendor-02/26/2026 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/03/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments. Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 5.12 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months. Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 859978_xxxxxx_(1).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 |
| 859978 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-27 09:49 | 2026-03-11 08:51 | 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-03/03/2026 <br>Ready for Review-Document Uploaded. Please see bank statement worksheet. - Due Diligence Vendor-03/02/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/27/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/03/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments. Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 5.12 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months. Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 859978_xxxxxx_859978_xxxxxx_ANALYSIS_(1).xlsx | 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 |
| 859978 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-26 16:20 | 2026-03-06 11:01 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received ICD - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attached Initial CD. - Due Diligence Vendor-03/04/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure is missing. Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/26/2026 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-03/06/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments. Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 5.12 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months. Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review859978_xxxxxx_3_4_2026_103546_AM.zip<br> 859978_xxxxxx_initial_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 |
| 859978 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-26 13:42 | 2026-03-03 14:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Loan Approval with loan terms. - Due Diligence Vendor-03/02/2026 <br> Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-02/26/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments. Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 5.12 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months. Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 859978_xxxxxx_859978_xxxxxx_FINAL_Notice_of_Loan_Approval_2-19-26_(1).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 |
| 859982 | xxxxxx | D A | Closed | xxxxxx | 2026-03-07 08:39 | 2026-03-09 14:39 | 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-03/09/2026 <br>Ready for Review-Document Uploaded. Income worksheet - Due Diligence Vendor-03/09/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary on this 12-monthbank statment loan. - Due Diligence Vendor-03/07/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/09/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 22.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.97% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 58.97% 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 10.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 10.89 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 678 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 678 is Greater Than The Guideline Minimum Of 640 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 - 13.25 Years Borrower At Current Residence For Five (5) Or More Years - 13.25 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 - 14.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.16 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 - 25.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years |  | 859982_xxxxxx_final_income.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 |
| 859996 | xxxxxx | C A | Closed | xxxxxx | 2026-02-25 09:45 | 2026-03-04 11:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/03/2026 <br> Open-xxxxxx Fraud report on page 669 reflected a GSA/EPLS alert for xxxxxx xxxxxx, Settlement Agent but the lender cleared alert on 1/16/2026 with comment stating (Ne in file). Unable to determine what this is and how did they clear this alert. Please provide. - Due Diligence Vendor-02/25/2026 |  | Resolved-Updated fraud report provided - Due Diligence Vendor-03/04/2026 | 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 - 8.29 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 45.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.39% 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 17.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx xxxxxx search.pdf<br> final fraud.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 |
| 859998 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-25 12:40 | 2026-03-09 08:40 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Received confirmation of the application date. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Open-\*\*\*\* Documentation provided does not include confirmation of the borrowers application date. (LO signature date is only the date the LO acknowledged the URLA, not the date the lender received the 6 pieces of information required to trigger the application timing) A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026 | Resolved-Received confirmation of the application date. - Due Diligence Vendor-03/09/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.65 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 44.3% 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 - 41.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |  | Application date.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 |
| 859998 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-24 14:01 | 2026-03-03 07:15 | 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-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. A gap credit report or Undisclosed Debt Monitoring report is required no more than 30 days prior to the loan closing or any time after closing. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/03/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.65 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 44.3% 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 - 41.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |  | 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 |
| 860001 | 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 |  |  |  |
| 860003 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 01:58 | 2026-03-06 14:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. 3/4/26 - please see attached complete final 1003 - Buyer-03/04/2026 <br>Counter-Subject Loan is a Primary purchase a Signed Final 1003 is required for both borrowers - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. 3/2/26 - Please see attached - Due Diligence Vendor-03/03/2026 <br>Open-The Final 1003 is Incomplete co-borrower information page is missing on the Final 1003. - Due Diligence Vendor-02/26/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/06/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 0.03<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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.83 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 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 11.28 Are Greater Than The Guideline Minimum Of 3 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 Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 19.61% 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 is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 860003_xxxxxx_1003.pdf<br> xxxxxx Complete Final 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 |
| 860036 | 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 |  |  |  |
| 860041 | 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 |  |  |  |
| 860045 | 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 |  |  |  |
| 860048 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 09:27 | 2026-02-22 11:04 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Lender provided cure prior xxxxxx review. - Due Diligence Vendor-02/22/2026 <br> Resolved- - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. 2/20/26 - please see corrected PCCD - Due Diligence Vendor-02/22/2026 <br> Counter-Curative PCCD package has been provide, however, the PCCD has been issued on an Alt Form type. This is a purchase transaction. The correct and required form type is a Standard Closing Disclosure, to reflect the terms of the purchase and to retain TRID disclosure consistency. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. 2/19/26 - please see docs attached. - Due Diligence Vendor-02/19/2026 <br> Counter-Locked Loan Estimate has been provided. Compliance test generated resulting in additional findings: ~~~~~ The following charges have been either added or increased: Processing fee not disclosed in the Initial Loan Estimate, was added in a subsequent TRID disclosure. . This appears to be an omitted charge, added later without any compliant COC event pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of 750.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/19/2026 <br> Resolved- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. 2/17/26 - Please see attached LE and COC xxxxxx. - Due Diligence Vendor-02/18/2026 <br> Open-\*\*\*\*\*\* This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-\*\*Lender provided cure prior xxxxxx review. - Due Diligence Vendor-02/22/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 13.75 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 13.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - 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 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 |  | Full Review860048_xxxxxx_2_17_2026_13049_PM.zip<br> Full Review860048_xxxxxx_2_19_2026_122756_PM.zip<br> Full Review860048_xxxxxx_2_20_2026_13936_PM.zip<br> 860048_xxxxxx_PCCD.pdf<br> 860048_xxxxxx_Locked_LE_COC_xxxxxx.pdf<br> 860048_xxxxxx_LOE.pdf<br> 860048_xxxxxx_-_Wire_Confirmation_for_Cure.pdf<br> 860048_xxxxxx_Correct_PCCD.pdf<br> 860048_xxxxxx_Proof_Of_Delivery.pdf<br> 860048_xxxxxx_Loan_Estimate_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 |
| 860048 | xxxxxx | C A | Closed | xxxxxx | 2026-02-19 06:51 | 2026-02-22 11:04 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Lender provided cure prior xxxxxx review. - Due Diligence Vendor-02/22/2026 <br> Resolved- - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. 2/20/26 - please see corrected PCCD - Due Diligence Vendor-02/22/2026 <br> Counter-Curative PCCD package has been provide, however, the PCCD has been issued on an Alt Form type. This is a purchase transaction. The correct and required form type is a Standard Closing Disclosure, to reflect the terms of the purchase and to retain TRID disclosure consistency. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. 2/19/26 - please see docs attached. - Due Diligence Vendor-02/19/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $750.00.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). Locked Loan Estimate has been provided. Compliance test generated resulting in additional findings: ~~~~~ The following charges have been either added or increased: Processing fee not disclosed in the Initial Loan Estimate, was added in a subsequent TRID disclosure. . This appears to be an omitted charge, added later without any compliant COC event pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of 750.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-\*\*Lender provided cure prior xxxxxx review. - Due Diligence Vendor-02/22/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 13.75 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 13.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - 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 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 |  | Full Review860048_xxxxxx_2_19_2026_122911_PM.zip<br> Full Review860048_xxxxxx_2_20_2026_14016_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 |
| 860048 | xxxxxx | C A | Closed | xxxxxx | 2026-02-19 06:51 | 2026-02-22 11:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Lender provided cure prior xxxxxx review. - Due Diligence Vendor-02/22/2026 <br> Resolved- - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. 2/20/26 - please see corrected PCCD - Due Diligence Vendor-02/22/2026 <br> Counter-Curative PCCD package has been provide, however, the PCCD has been issued on an Alt Form type. This is a purchase transaction. The correct and required form type is a Standard Closing Disclosure, to reflect the terms of the purchase and to retain TRID disclosure consistency. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. 2/19/26 - please see docs attached. - Due Diligence Vendor-02/19/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Locked Loan Estimate has been provided. Compliance test generated resulting in additional findings: ~~~~~ The following charges have been either added or increased: Processing fee not disclosed in the Initial Loan Estimate, was added in a subsequent TRID disclosure. . This appears to be an omitted charge, added later without any compliant COC event pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of 750.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-\*\*Lender provided cure prior xxxxxx review. - Due Diligence Vendor-02/22/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 13.75 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 13.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - 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 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 |  | Full Review860048_xxxxxx_2_19_2026_122942_PM.zip<br> Full Review860048_xxxxxx_2_20_2026_13954_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 |
| 860048 | xxxxxx | C A | Closed | xxxxxx | 2026-02-19 06:51 | 2026-02-22 11:04 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Lender provided cure prior xxxxxx review. - Due Diligence Vendor-02/22/2026 <br> Resolved- - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. 2/20/26 - please see corrected PCCD - Due Diligence Vendor-02/22/2026 <br> Counter-Curative PCCD package has been provide, however, the PCCD has been issued on an Alt Form type. This is a purchase transaction. The correct and required form type is a Standard Closing Disclosure, to reflect the terms of the purchase and to retain TRID disclosure consistency. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. 2/19/26 - please see docs attached. - Due Diligence Vendor-02/19/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Locked Loan Estimate has been provided. Compliance test generated resulting in additional findings: ~~~~~ The following charges have been either added or increased: Processing fee not disclosed in the Initial Loan Estimate, was added in a subsequent TRID disclosure. . This appears to be an omitted charge, added later without any compliant COC event pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of 750.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-\*\*Lender provided cure prior xxxxxx review. - Due Diligence Vendor-02/22/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 13.75 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 13.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - 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 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 |  | Full Review860048_xxxxxx_2_19_2026_122817_PM.zip<br> Full Review860048_xxxxxx_2_20_2026_13918_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 |
| 860048 | xxxxxx | C A | Closed | xxxxxx | 2026-02-12 09:35 | 2026-02-19 06:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Locked Loan Estimate has been provided. Compliance test generated resulting in additional findings: ~~~~~ The following charges have been either added or increased: Processing fee not disclosed in the Initial Loan Estimate, was added in a subsequent TRID disclosure. . This appears to be an omitted charge, added later without any compliant COC event pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of 750.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. ----------------------- see other open finding - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. 2/17/26 - Please see attached LE and COC xxxxxx. - Due Diligence Vendor-02/18/2026 <br> Open-\*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate 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. Rate dependent charge changes subject to 0% tolerance total $$3,813.60. - Due Diligence Vendor-02/13/2026 |  | Resolved-Locked Loan Estimate has been provided. Compliance test generated resulting in additional findings: ~~~~~ The following charges have been either added or increased: Processing fee not disclosed in the Initial Loan Estimate, was added in a subsequent TRID disclosure. . This appears to be an omitted charge, added later without any compliant COC event pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of 750.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. ----------------------- see other open finding - Due Diligence Vendor-02/19/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 13.75 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 13.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - 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 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 |  | Full Review860048_xxxxxx_2_17_2026_13027_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 |
| 860050 | 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 |  |  |  |
| 860062 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 15:56 | 2026-03-02 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. Purchase contract - Due Diligence Vendor-02/27/2026 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-02/24/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/02/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.97% 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 - 6.14 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 860062_xxxxxx_COS.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 |
| 860062 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 16:41 | 2026-03-02 13:17 | 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-03/02/2026 <br> Ready for Review-Document Uploaded. Gap report - Due Diligence Vendor-02/27/2026 <br> Open-Borrower 1 Gap Credit Report is Missing. Initial credit dated xxxxxx, note date xxxxxx. Per guidelines, GAP credit required with 30 days of note. - Due Diligence Vendor-02/24/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/02/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.97% 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 - 6.14 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 860062_xxxxxx_UDN.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 |
| 860070 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860075 | 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 |  |  |  |
| 860093 | xxxxxx | C A | Closed | xxxxxx | 2026-02-18 09:41 | 2026-02-22 12:08 | 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-02/22/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Report dated 1/28/26 is Greater than 10 days from Closing/Settlement Date xxxxxx). Per GL: A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/22/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 12.1 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 38.96% 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.07 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - 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<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | report refresh xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860116 | xxxxxx | C A | Closed | xxxxxx | 2026-02-13 15:07 | 2026-02-18 08:08 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD & RCD w/coc event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026 <br> Resolved- - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see the INITIAL CD and COC. xxxxxx! - Due Diligence Vendor-02/17/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxxxFirst 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-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 |  | Resolved-ICD & RCD w/coc event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 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 13.15 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 34.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review860116_xxxxxx_2_17_2026_103853_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 |
| 860116 | xxxxxx | C A | Closed | xxxxxx | 2026-02-13 15:07 | 2026-02-18 08:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ICD & RCD w/coc event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026 <br>Resolved- - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see the INITIAL CD and COC. xxxxxx! - Due Diligence Vendor-02/17/2026 <br>Open-\*\*Original file is missing the Initial CD. Final CD in the file indicates an increase to the discount points. Original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-02/13/2026 <br>Open- - Due Diligence Vendor-02/13/2026 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,266.24.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/13/2026 <br>Open- - Due Diligence Vendor-02/13/2026 |  | Resolved-ICD & RCD w/coc event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 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 13.15 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 34.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review860116_xxxxxx_2_17_2026_103804_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 |
| 860116 | xxxxxx | C A | Closed | xxxxxx | 2026-02-13 15:07 | 2026-02-18 08:08 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ICD & RCD w/coc event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026 <br>Resolved- - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see the INITIAL CD and COC. xxxxxx! - Due Diligence Vendor-02/17/2026 <br>Open-\*\*Original file is missing the Initial CD. Final CD in the file indicates an increase to the discount points. Original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-02/13/2026 <br>Open- - Due Diligence Vendor-02/13/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/13/2026 <br>Open- - Due Diligence Vendor-02/13/2026 |  | Resolved-ICD & RCD w/coc event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 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 13.15 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 34.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review860116_xxxxxx_2_17_2026_103835_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 |
| 860116 | xxxxxx | C A | Closed | xxxxxx | 2026-02-13 15:07 | 2026-02-18 08:08 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ICD & RCD w/coc event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026 <br>Resolved- - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see the INITIAL CD and COC. xxxxxx! - Due Diligence Vendor-02/17/2026 <br>Open-\*\*Original file is missing the Initial CD. Final CD in the file indicates an increase to the discount points. Original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-02/13/2026 <br>Open- - Due Diligence Vendor-02/13/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/13/2026 <br>Open- - Due Diligence Vendor-02/13/2026 |  | Resolved-ICD & RCD w/coc event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 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 13.15 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 34.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review860116_xxxxxx_2_17_2026_103820_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 |
| 860117 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-16 10:42 | 2026-02-17 09:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/16/2026 <br> Open-. Provide an enhanced desk review (ARR, CDA, etc.) from xxxxxx-approved xxxxxx as required for all loans. In lieu of desk review, field review or second appraisal allowed. If review value is >10% lower than appraisal, second appraisal required. Lower of the two values is used.<br> - Due Diligence Vendor-02/16/2026 | Ready for Review-Document Uploaded. - Seller-02/16/2026 | Resolved-Desk review provided - Due Diligence Vendor-02/17/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>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 720 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 - 16.00 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 - 16.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | CCA_OTHER APPRAISAL REVIEW.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 |
| 860117 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-16 04:39 | 2026-02-16 04:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Missing | Waived-Client Exception granted with compensating factors EXCEPTION FOR BORROWER NOT HAVING PASSPORT FROM COUNTRY OF ORIGIN - Due Diligence Vendor-02/16/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION FOR BORROWER NOT HAVING PASSPORT FROM COUNTRY OF ORIGIN - Due Diligence Vendor-02/16/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>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 720 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 - 16.00 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 - 16.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | FICO 757<br> Reserves over 8 months |  | 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 |
| 860117 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-16 04:38 | 2026-02-16 04:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors EXCEPTION TO USE IRS FOR W-7 INLIEU OF ITIN LETTER - Due Diligence Vendor-02/16/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO USE IRS FOR W-7 INLIEU OF ITIN LETTER - Due Diligence Vendor-02/16/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>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 720 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 - 16.00 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 - 16.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | FICO 757<br> Reserves over 8 months |  | 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 |
| 860118 | 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 |  |  |  |
| 860119 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 13:31 | 2026-03-25 13:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow appraisal transfer 2 days after max limit - Due Diligence Vendor-03/25/2026 <br>Open-Appraisal transfer occurred 47 days from loan submission date. Guideline maximum for appraisal transfer is 45 days. - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow appraisal transfer 2 days after max limit - Due Diligence Vendor-03/25/2026 | 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>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.31% 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 23.36 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 | Originator Pre-Close | Yes | xxxxxx |
| 860119 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-11 13:44 | 2026-02-14 10:04 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION APPROVAL IS REQUIRED FOR USING EXPIRED EMPLOYMENT AUTHORIZATION CARD WITH APPROVED C08 CODE. PER GUIDELINES,<br> ASYLUM BORROWER MUST PROVIDE COPY OF FORM I-766 WITH CODE C08 - Due Diligence Vendor-02/14/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Counter-Provide the Most Current CP565 Notice for B1 - the notice date is xxxxxx and the PRA card provided for B2 is Expired - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Open-Missing permanent resident card for b1 and b2 - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 | Waived-Client Exception granted with compensating factors Exception granted with supporting comp factors: EXCEPTION APPROVAL IS REQUIRED FOR USING EXPIRED EMPLOYMENT AUTHORIZATION CARD WITH APPROVED C08 CODE. PER GUIDELINES,<br> ASYLUM BORROWER MUST PROVIDE COPY OF FORM I-766 WITH CODE C08 - Due Diligence Vendor-02/14/2026 | 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>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.31% 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 23.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | • Debt ratio of 32.308%. <br> • Borrower exceeds minimum credit score requirement by 58 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 23.23 months. | ITIN LETTER.pdf<br> IDENTIFICATION MISC.pdf<br> EXCEPTION FORM (2).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 |
| 860119 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-10 06:54 | 2026-02-10 06:54 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Missing | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL IS REQUIRED FOR HAVING NO PASSPORT FOR BOTH BORROWERS. <br> PER GUIDELINES, ITIN BORROWER MUST PROVIDE PASSPORT FROM THE COUNTRY OF ORIGIN. - Due Diligence Vendor-02/10/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL IS REQUIRED FOR HAVING NO PASSPORT FOR BOTH BORROWERS. <br> PER GUIDELINES, ITIN BORROWER MUST PROVIDE PASSPORT FROM THE COUNTRY OF ORIGIN. - Due Diligence Vendor-02/10/2026 | 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>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.31% 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 23.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | • Debt ratio of 32.308%. <br> • Borrower exceeds minimum credit score requirement by 58 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 23.23 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 |
| 860119 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-10 06:53 | 2026-02-10 06:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client Exception granted with compensating factors to allow borrower with 1 tradeline opened 4/23/2025, guideline requires 3 tradelines. - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow borrower with 1 tradeline opened 4/23/2025, guideline requires 3 tradelines. - Due Diligence Vendor-03/25/2026 | 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>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.31% 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 23.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | • Debt ratio of 32.308%. <br> • Borrower exceeds minimum credit score requirement by 58 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 23.23 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 |
| 860121 | 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 |  |  |  |
| 860122 | xxxxxx | B A | Closed | xxxxxx | 2026-02-13 05:53 | 2026-02-13 05:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors CURRENT PAYMENT SHOCK OF 323.891% EXCEEDS THE MAX ALLOWED OF 200%. - Due Diligence Vendor-02/13/2026 |  | Waived-Client Exception granted with compensating factors CURRENT PAYMENT SHOCK OF 323.891% EXCEEDS THE MAX ALLOWED OF 200%. - Due Diligence Vendor-02/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 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 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.89 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 39.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1. DTI IS 39.550% 2. FICO 793 3. POST CLOSING RESERVE IS 24.26 MONTH, PROGRAM REQUIRES 6 MOS. |  | 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 |
| 860122 | xxxxxx | B A | Closed | xxxxxx | 2026-02-13 05:51 | 2026-02-13 05:51 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived-Client Exception granted with compensating factors EXCEPTION FOR NO PASSPORT FROM COUNTRY OF ORIGIN. BOTH BORROWERS PROVIDED DRIVER'S LICENSE. - Due Diligence Vendor-02/13/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION FOR NO PASSPORT FROM COUNTRY OF ORIGIN. BOTH BORROWERS PROVIDED DRIVER'S LICENSE. - Due Diligence Vendor-02/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 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 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.89 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 39.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1. DTI IS 39.550% 2. FICO 793 3. POST CLOSING RESERVE IS 24.26 MONTH, PROGRAM REQUIRES 6 MOS. |  | 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 |
| 860124 | xxxxxx | B A | Closed | xxxxxx | 2026-02-18 05:51 | 2026-02-18 05:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with compensating factors EXCEPTION FOR NOT MEETING MIN FICO OF 700 FOR ESCROW/IMPOUNDS WAIVED ON FILE. BORROWER'S FICO IS 662 - Due Diligence Vendor-02/18/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION FOR NOT MEETING MIN FICO OF 700 FOR ESCROW/IMPOUNDS WAIVED ON FILE. BORROWER'S FICO IS 662 - Due Diligence Vendor-02/18/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.67% 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 13.04 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 - 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 - 8.25 Years | RESIDUAL INCOME OVER $10,000, HOUSING HISTORY 0X30X12, PI WILL BE LOWER THAN 15% |  | 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 | Originator Pre-Close | Yes | xxxxxx |
| 860125 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-25 18:28 | 2026-03-04 12:13 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Open-Gudielines Review Requirements: Enhanced desk review (ARR, CDA, etc.) from xxxxxx-approved xxxxxx required for all loans. 3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 | Resolved-Desk review provided - Due Diligence Vendor-03/04/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.79% 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 - 16.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 707 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | CCA_OTHER APPRAISAL REVIEW.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 |
| 860125 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-24 06:15 | 2026-02-25 17:59 | Waived | 2 - Non-Material C B | Credit | Income | Income documentation does not meet guidelines | Waived-Client Exception granted with compensating factors EXCEPTION TO USE P&L ONLY INCOME. AS PER GUIDELINES P&L OPTION IS NOT ALLOWED FOR A<br> NON-PERMANENT RESIDENT ALIEN BORROWER - Due Diligence Vendor-02/24/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO USE P&L ONLY INCOME. AS PER GUIDELINES P&L OPTION IS NOT ALLOWED FOR A<br> NON-PERMANENT RESIDENT ALIEN BORROWER - Due Diligence Vendor-02/24/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.79% 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 - 16.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 707 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | FICO OF 707 IS 47 POINTS HIGHER THAN MINIMUM REQUIRED. • LOW DTI OF 25.854% |  | 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 |
| 860126 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-20 10:21 | 2026-03-04 10:37 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/04/2026 <br> Resolved- - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Counter-\*\*\*PCCD provide has an issued date of xxxxxx which is prior to the closing date of xxxxxx. Additionally, the closing date in the PCCD shows as xxxxxx. Please provide a corrected and accurate PCCD. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. There is no final statement from closing agent. We issue the final and any post closing cd. <br>Yes, under the TILA-RESPA Integrated Disclosure (TRID) rule, the Closing Disclosure (CD) has replaced the previous HUD-1 Settlement Statement as the final, official, 5-page document detailing the final terms and costs of most closed-end consumer mortgage loans. It must be provided at least three business days before closing.<br> - Seller-02/27/2026 <br> Counter-\*\*\*Please provide a copy of the Final Settlement Statement from title. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Counter-\*\*Received CD issued prior to closing. This document does not resolve this finding. Lender to provide a PCCD and/or a copy of the Final Settlement Statement from the title company in support of the correct disbursement date. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Final CD shows a funding date of xxxxxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/22/2026 <br> Open- - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Ready for Review-Document Uploaded. There is no final statement from closing agent. We issue the final and any post closing cd. <br>Yes, under the TILA-RESPA Integrated Disclosure (TRID) rule, the Closing Disclosure (CD) has replaced the previous HUD-1 Settlement Statement as the final, official, 5-page document detailing the final terms and costs of most closed-end consumer mortgage loans. It must be provided at least three business days before closing.<br> - Seller-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/04/2026 | Borrower At Current Residence For Five (5) Or More Years - borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 20.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 35.64% 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 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 Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 20.19 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 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 |  | VERIFICATION OF RECEIPT OF CD - xxxxxx t111541.229.pdf<br> POST CLOSING DISCLOSURE.pdf<br> FINAL CLOSING DISCLOSURE - DRY.pdf<br> REVISED FINAL CLOSING DISCLOSURE.pdf<br> POST CLOSING DISCLOSURE (1).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 |
| 860126 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-19 06:25 | 2026-02-26 13:29 | 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-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/24/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. Per GL a Lender Quality Control Check (LQCC) or Undisclosed Debt Monitoring (UDM) report must be pulled within ten (10) days of the loan closing - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/26/2026 | Borrower At Current Residence For Five (5) Or More Years - borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 20.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 35.64% 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 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 Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 20.19 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 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 |  | 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 |
| 860149 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 10:25 | 2026-02-27 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. income worksheet and 1008 - Due Diligence Vendor-02/25/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary missing asset utilization worksheet - Due Diligence Vendor-02/24/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/27/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.1% 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 - 24.17 Years Borrower At Current Residence For Five (5) Or More Years - 24.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.51 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 113.51 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 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 795 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 52.63% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 52.63% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 860149_xxxxxx_income_calc.pdf<br> 860149_xxxxxx_1008.1003.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 |
| 860158 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 860257 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-02 12:34 | 2026-03-06 16:30 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/06/2026 <br> Resolved- - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. 3/5/26 - please see docs attached. - Due Diligence Vendor-03/05/2026 <br> Open-•\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $1,140.00. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-03/02/2026 <br> Open- - Due Diligence Vendor-03/02/2026 |  | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 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 290 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 0.07 |  | Full Review860257_xxxxxx_3_5_2026_103934_AM.zip<br> 860257_xxxxxx_20260304144212615.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 |
| 860257 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 16:22 | 2026-03-06 16:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/06/2026 <br> Resolved- - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. 3/5/26 - please see docs attached. - Due Diligence Vendor-03/05/2026 <br> Open-•\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $1,140.00. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/03/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,140.00.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-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 |  | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 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 290 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 0.07 |  | Full Review860257_xxxxxx_3_5_2026_103949_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 |
| 860257 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 16:22 | 2026-03-06 16:30 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/06/2026 <br> Resolved- - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. 3/5/26 - please see docs attached. - Due Diligence Vendor-03/05/2026 <br> Open-•\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $1,140.00. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/03/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 |  | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 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 290 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 0.07 |  | Full Review860257_xxxxxx_3_5_2026_103913_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 |
| 860257 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 16:22 | 2026-03-06 16:30 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/06/2026 <br> Resolved- - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. 3/5/26 - please see docs attached. - Due Diligence Vendor-03/05/2026 <br> Open-•\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $1,140.00. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/03/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 |  | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 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 290 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 0.07 |  | Full Review860257_xxxxxx_3_5_2026_103830_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 |
| 860257 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-01 22:43 | 2026-03-05 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/05/2026 <br>Ready for Review-3/5/26 - Lender response: CO BORROWER INCOME WAS NOT USED PER UNDERWRITER COMMENTS. WE DID NOT SUPPLY A VOE AS HIS INCOME WAS NOT USED. Please rescind. - Due Diligence Vendor-03/05/2026 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/02/2026 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 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 290 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 0.07 | Borrower 2 3rd Party VOE Prior to Close Missing |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860259 | xxxxxx | C A | Closed | xxxxxx | 2026-02-17 06:15 | 2026-02-22 11:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 78.59% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/22/2026 <br>Ready for Review-Document Uploaded. Please see the attached Credit Report. - Due Diligence Vendor-02/20/2026 <br>Open-Audited LTV of 78.59% exceeds Guideline LTV of 75%. per matrix 11.10.25; BWR FICO is 688 with cash out max LTV 75%. Client used score of 708. To determine a <br> borrower(s) credit score, use the lower of two (2) or middle of three (3) credit scores. - Due Diligence Vendor-02/17/2026 |  | Resolved-Audited LTV of 78.59% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/22/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.75 Years Borrower At Current Residence For Five (5) Or More Years - 9.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 61.05 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 - 15.42 Years 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 - 8.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860259_xxxxxx_Credit_Report.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 |
| 860272 | xxxxxx | D A | Closed | xxxxxx | 2026-03-08 08:01 | 2026-03-11 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. Please see attached title report. - Due Diligence Vendor-03/11/2026 <br>Open-Title Document is missing - Due Diligence Vendor-03/08/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-03/11/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.3 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 774 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.4% Is Less Than The Guideline Maximum Of 45% 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 - 19.17 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 - 20.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | 860272_xxxxxx_Title_Report.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 |
| 860278 | 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 |  |  |  |
| 860283 | 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 |  |  |  |
| 860299 | xxxxxx | C A | Closed | xxxxxx | 2026-02-25 01:41 | 2026-03-02 10:03 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-02/26/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-02/26/2026 | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/02/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.74% 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 36.08% 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 797 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 - 6.12 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 - 15.00 Years |  | xxxxxx_PCCD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860300 | 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 |  |  |  |
| 860311 | 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 |  |  |  |
| 860326 | 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 |  |  |  |
| 860385 | xxxxxx | B A | Closed | xxxxxx | 2026-03-13 23:29 | 2026-03-13 23:29 | Waived | 2 - Non-Material B | Credit | Income | Excessive NSFs in bank statement income calculation does not meet gudelines. | Waived-Client Exception granted with compensating factors Borrower has 7 NSF's within 12 months on the business bank statements - Due Diligence Vendor-03/14/2026 |  | Waived-Client Exception granted with compensating factors Borrower has 7 NSF's within 12 months on the business bank statements - Due Diligence Vendor-03/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.79 Are Greater Than The Guideline Minimum Of 3 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 - 27.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<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 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 - 34.10 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 - 34.09 Years | - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Subject property home ownership > 10 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 860420 | 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 |  |  |  |
| 860443 | 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 |  |  |  |
| 860444 | 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 |  |  |  |
| 860457 | xxxxxx | C A | Closed | xxxxxx | 2026-03-02 22:03 | 2026-03-09 09:27 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-03/06/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Final CD shows a funding date of xxxxxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-03/06/2026 | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/09/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.98 Years |  | xxxxxx_PCCD.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 |
| 860460 | 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 |  |  |  |
| 860506 | 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 |  |  |  |
| 860573 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860605 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860716 | xxxxxx | B A | Closed | xxxxxx | 2026-02-27 04:43 | 2026-02-27 04:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors 305.887% PAYMENT SHOCK EXCEEDS THE MAX ALLOWED OF 200% - Due Diligence Vendor-02/27/2026 |  | Waived-Client Exception granted with compensating factors 305.887% PAYMENT SHOCK EXCEEDS THE MAX ALLOWED OF 200% - Due Diligence Vendor-02/27/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.02% 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 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1) 772 FICO; 2) 17.024% DTI |  | 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 |
| 860716 | xxxxxx | B A | Closed | xxxxxx | 2026-02-27 04:42 | 2026-02-27 04:42 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Client Exception granted with compensating factors PER VOR, BORROWER HAS ONLY BEEN PAYING RENT IN CASH SINCE 2017 - Due Diligence Vendor-02/27/2026 |  | Waived-Client Exception granted with compensating factors PER VOR, BORROWER HAS ONLY BEEN PAYING RENT IN CASH SINCE xxxxxx - Due Diligence Vendor-02/27/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.02% 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 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1) 772 FICO; 2) 17.024% DTI |  | 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 |
| 860716 | xxxxxx | B A | Closed | xxxxxx | 2026-02-27 04:42 | 2026-02-27 04:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 80% exceeds Guideline LTV of 75% MAX LTV IS 75% FOR 2-4 UNIT PROPERTIES. 80% LTV REQUESTED - Due Diligence Vendor-02/27/2026 |  | Waived-Client Exception granted with compensating factors Audited LTV of 80% exceeds Guideline LTV of 75% MAX LTV IS 75% FOR 2-4 UNIT PROPERTIES. 80% LTV REQUESTED - Due Diligence Vendor-02/27/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.02% 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 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1) 772 FICO; 2) 17.024% DTI |  | 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 |
| 860717 | xxxxxx | B A | Closed | xxxxxx | 2026-03-05 04:13 | 2026-03-05 04:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 75% exceeds Guideline LTV of 70% EXCEPTION APPROVAL TO INCREASE LTV TO 74%. PER GUIDELINES, MAX LTV FOR 708 FICO IS 70% ONLY - Due Diligence Vendor-03/05/2026 |  | Waived-Client Exception granted with compensating factors Audited LTV of 75% exceeds Guideline LTV of 70% EXCEPTION APPROVAL TO INCREASE LTV TO 74%. PER GUIDELINES, MAX LTV FOR 708 FICO IS 70% ONLY - Due Diligence Vendor-03/05/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 708 is Greater Than The Guideline Minimum Of 660 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 - 13.81 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.93% 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 - 13.82 Years | Residual income of $6,698.98.<br> Payment shock of 85.905%.<br> Housing ratio of 26.872%.<br> Debt ratio of 28.785%.<br> All consumer credit paid as agreed in the most recent 12 months |  | 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 |
| 860718 | xxxxxx | B A | Closed | xxxxxx | 2026-02-18 06:33 | 2026-02-18 06:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL IS REQUIRED TO USE FORM W7 IN LIEU OF UNEXPIRED ITIN LETTER - Due Diligence Vendor-02/18/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL IS REQUIRED TO USE FORM W7 IN LIEU OF UNEXPIRED ITIN LETTER - Due Diligence Vendor-02/18/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 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 15.99 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | • Payment shock of 83.655%. <br> • Borrower exceeds minimum credit score requirement by 64 points. <br> • Current LTV is 9% less than max allowed. |  | 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 |
| 860719 | 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 |  |  |  |
| 860720 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 07:05 | 2026-02-09 15:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 80% exceeds Guideline LTV of 75% LTV OF 80% EXCEEDS THE MAXIMUM ALLOWED OF 75% WITH FICO SCORE OF 683. - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factors Audited LTV of 80% exceeds Guideline LTV of 75% LTV OF 80% EXCEEDS THE MAXIMUM ALLOWED OF 75% WITH FICO SCORE OF 683. - Due Diligence Vendor-02/09/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.48% 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 - 27.26 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 - 27.27 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | DTI IS 27.480%<br> RESIDUAL INCOME IS $20,497.21. <br> POST CLOSING RESERVES IS 15.19 MONTH. PROGRAM REQUIRES 6 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 |
| 860721 | xxxxxx | B A | Closed | xxxxxx | 2026-02-24 08:31 | 2026-02-24 08:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception granted with compensating factors Audited Reserves of 4.13 are less than Guideline Required Reserves of 6 REQUESTING EXCEPTION TO PROCEED WITH 3 MONTHS RESERVES INSTEAD OF THE STANDARD 6 MONTHS. - Due Diligence Vendor-02/24/2026 |  | Waived-Client Exception granted with compensating factors Audited Reserves of 4.13 are less than Guideline Required Reserves of 6 REQUESTING EXCEPTION TO PROCEED WITH 3 MONTHS RESERVES INSTEAD OF THE STANDARD 6 MONTHS. - Due Diligence Vendor-02/24/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.86% 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 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | LOW DTI, HIGH FICO, GOOD PAYMENT HISTORY LOW CONSUMER DEBT, STABLE INCOME |  | 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 |
| 860722 | xxxxxx | B A | Closed | xxxxxx | 2026-02-13 04:38 | 2026-02-14 08:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client Exception granted with compensating factors Audited CLTV of 72.45% exceeds Guideline CLTV of 70% EXCEPTION FOR 73% CLTV. MAXIMUM CLTV ALLOWED IS 70%. See Page 643 - Due Diligence Vendor-02/13/2026 |  | Waived-Client Exception granted with compensating factors Audited CLTV of 72.45% exceeds Guideline CLTV of 70% EXCEPTION FOR 73% CLTV. MAXIMUM CLTV ALLOWED IS 70%. See Page 643 - Due Diligence Vendor-02/13/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.31 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 10.31 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More<br> Calculated DTI Of 27.13% 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.90 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5.17 Years | (1) All consumer credit paid as agreed in the most recent 12 months. (2) Borrower exceeds minimum credit score requirement by 47 points. (3) Debt ratio of 27.122%. (4) Housing ratio of 15.739%. (5) Payment shock of 110.749% |  | 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 |
| 860723 | 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 |  |  |  |
| 860762 | 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 |  |  |  |
| 860826 | 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 |  |  |  |
| 860877 | 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 |  |  |  |
| 860878 | 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 |  |  |  |
| 860881 | 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 |  |  |  |
| 860898 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 03:01 | 2026-03-03 16:48 | 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-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-03/02/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-03/02/2026 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/03/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.67% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>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 720 By Twenty (20) or More Points |  | 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 |
| 860943 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861117 | 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 |  |  |  |
| 861142 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-02 04:08 | 2026-03-04 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-Borrower 1 Personal Bank Statements Missing Missing Bank statements for Income review. Missing 11 months statement from November 2025- Jan 2025 - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 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 53.49% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.48% 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 0.02 |  | 12 Months BS - 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 |
| 861142 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-02 04:44 | 2026-03-02 04:44 | Waived | 2 - Non-Material B | Credit | Assets | Cash reserves less than required by guidelines | Waived-Client Exception granted with compensating factors EXCEPTION TO PROCEED WITH 4.71 MONTHS IN RESERVES when minimum required is 6 - Due Diligence Vendor-03/02/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO PROCEED WITH 3 MONTHS IN RESERVES when minimum required is 6 - Due Diligence Vendor-03/02/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 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 53.49% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.48% 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 0.02 | STABLE INCOME, LOW LTV, LOW CONSUMER DEBT, HIGHER FICO, CONSUMER DEBT PAID ON TIME |  | 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 |
| 861142 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-02 04:43 | 2026-03-02 04:43 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Client Exception granted with compensating factors EXCEPTION TO PROCEED WITH VOR FORM, BORROWER PAYS RENT IN CASH<br> - Due Diligence Vendor-03/02/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO PROCEED WITH VOR FORM, BORROWER PAYS RENT IN CASH<br> - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 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 53.49% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.48% 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 0.02 | STABLE INCOME, LOW LTV, LOW CONSUMER DEBT, HIGHER FICO, CONSUMER DEBT PAID ON TIME |  | 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 |
| 861142 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-02 04:43 | 2026-03-02 04:43 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived-Client Exception granted with compensating factors EXCEPTION TO PROCEED WITH AN UNEXPIRED PASSPORT FROM COUNTRY OF ORIGIN - Due Diligence Vendor-03/02/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION TO PROCEED WITH AN UNEXPIRED PASSPORT FROM COUNTRY OF ORIGIN - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 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 53.49% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.48% 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 0.02 | STABLE INCOME, LOW LTV, LOW CONSUMER DEBT, HIGHER FICO, CONSUMER DEBT PAID ON TIME |  | 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 |
| 861143 | 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 |  |  |  |
| 861144 | xxxxxx | B A | Closed | xxxxxx | 2026-03-10 04:24 | 2026-03-10 04:24 | Waived | 2 - Non-Material B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Waived-Client Exception granted with compensating factors Exception to accept property condition of C4. C4 is due to no recent updates and Appraiser Confirmes there are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or marketability of the property. - Due Diligence Vendor-03/10/2026<br> Open-Primary Value Valuation Property Condition Rating does not meet Program Requirement of C3. - Due Diligence Vendor-03/06/2026 |  | Waived-Client Exception granted with compensating factors Exception to accept property condition of C4. C4 is due to no recent updates and Appraiser Confirmes there are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or marketability of the property. - Due Diligence Vendor-03/10/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.77% 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 20.88 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 790 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 60% Is Below The Guideline Maximum Of 70% 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 - 12.16 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 - 12.16 Years | QUALIFIED INCOME USED IS THE REPORTED FIGURE ON THE 1003 WITH IS 33% LOWER THAN THE VERIFIED AMOUNT PER BANK STATEMENTS, LOW LTV, LOW CONSUMER DEBT, OVER $10,000 IN PURCHASING A PRIMARY RESIDENCE. |  | 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 |
| 861144 | xxxxxx | B A | Closed | xxxxxx | 2026-03-10 04:22 | 2026-03-10 04:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors PER PUBLIC RECORDS, THE SUBJECT PROPERTY IS CLASSIFIED xxxxxx, WHICH IS INELIGIBLE. Appraisal confirms the subject is < 3 acres and use is not agricultural, neighborhood is > 75% built up in residential neighborhood within 3-mile access to schools shopping, busing etc. neighborhood providing comps all < 3.5 miles from the subjec- Due Diligence Vendor-03/10/2026 |  | Waived-Client Exception granted with compensating factors PER PUBLIC RECORDS, THE SUBJECT PROPERTY IS CLASSIFIED xxxxxx, WHICH IS INELIGIBLE. - Due Diligence Vendor-03/10/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.77% 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 20.88 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 790 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 60% Is Below The Guideline Maximum Of 70% 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 - 12.16 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 - 12.16 Years | QUALIFIED INCOME USED IS THE REPORTED FIGURE ON THE 1003 WITH IS 33% LOWER THAN THE VERIFIED AMOUNT PER BANK STATEMENTS, LOW LTV, LOW CONSUMER DEBT, OVER $10,000 IN PURCHASING A PRIMARY RESIDENCE. |  | 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 |
| 861145 | xxxxxx | B A | Closed | xxxxxx | 2026-03-06 05:27 | 2026-03-06 05:27 | Waived | 2 - Non-Material B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | <br> Waived-Client Exception granted with compensating factors Exception to accept property condition of C4. C4 is due to no recent updates and Appraiser Confirmes there are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or marketability of the property. - Due Diligence Vendor-03/11/2026 <br> Open-Primary Value Valuation Property Condition Rating does not meet Program Requirement of C3. - Due Diligence Vendor-03/06/2026 |  | Waived-Client Exception granted with compensating factors Exception to accept property condition of C4. C4 is due to no recent updates and Appraiser Confirmes there are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or marketability of the property. - Due Diligence Vendor-03/11/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>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 39.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1) 735 FICO; 2) 0% VARIANCE ON VALREVIEW |  | 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 |
| 861147 | xxxxxx | B A | Closed | xxxxxx | 2026-03-10 06:11 | 2026-03-10 06:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors EXCEPTION REQUIRED FOR MISSING PAGE 2 OF ITIN LETTER FOR BOTH BORROWERS - Due Diligence Vendor-03/10/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION REQUIRED FOR MISSING PAGE 2 OF ITIN LETTER FOR BOTH BORROWERS - Due Diligence Vendor-03/10/2026 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.99 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 - 20.08 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 - 20.16 Years | POST CLOSING RESERVES OF 10.56 MONTHS. • FICO OF 712 IS 52 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 |
| 861147 | xxxxxx | B A | Closed | xxxxxx | 2026-03-10 06:10 | 2026-03-10 06:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with compensating factors Primary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION REQUIRED FOR THE PROPERTY IS IN xxxxxx ZONE. AS PER GUIDELINES, RURAL ZONE PROPERTY IS INELIGIBLE. - Due Diligence Vendor-03/10/2026 |  | Waived-Client Exception granted with compensating factors Primary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION REQUIRED FOR THE PROPERTY IS IN xxxxxx ZONE. AS PER GUIDELINES, RURAL ZONE PROPERTY IS INELIGIBLE. - Due Diligence Vendor-03/10/2026 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.99 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 - 20.08 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 - 20.16 Years | POST CLOSING RESERVES OF 10.56 MONTHS. • FICO OF 712 IS 52 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 |
| 861147 | xxxxxx | B A | Closed | xxxxxx | 2026-03-10 06:09 | 2026-03-10 06:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factors Audited LTV of 85% exceeds Guideline LTV of 80% EXCEPTION TO ALLOW 85% LTV. AS PER GUIDELINES MAX ALLOWED LTV IS 80% FOR DTI OVER 43%. - Due Diligence Vendor-03/10/2026 |  | Waived-Client Exception granted with compensating factors Audited LTV of 85% exceeds Guideline LTV of 80% EXCEPTION TO ALLOW 85% LTV. AS PER GUIDELINES MAX ALLOWED LTV IS 80% FOR DTI OVER 43%. - Due Diligence Vendor-03/10/2026 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.99 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 - 20.08 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 - 20.16 Years | POST CLOSING RESERVES OF 10.56 MONTHS. • FICO OF 712 IS 52 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 |
| 861149 | xxxxxx | D A | Closed | xxxxxx | 2026-03-05 08:41 | 2026-03-06 10:04 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Open-1008/Underwriting Summary Not Provided Provide 1008/Underwriting Summary - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026 | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/06/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.95% 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 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | FINAL - 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 |
| 861149 | xxxxxx | D A | Closed | xxxxxx | 2026-03-05 08:41 | 2026-03-06 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. . Provide 3rd party review as required per guidelines. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026 | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-03/06/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.95% 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 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CCA_OTHER APPRAISAL REVIEW.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 |
| 861149 | xxxxxx | D A | Closed | xxxxxx | 2026-03-05 07:04 | 2026-03-06 10:03 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Open-Appraisal is Missing . Provide full Appraisal report for subject property. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026 | Resolved-Appraisal has been provided - Due Diligence Vendor-03/06/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.95% 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 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 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 |
| 861150 | xxxxxx | C A | Closed | xxxxxx | 2026-03-03 00:22 | 2026-03-05 13:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | Dual Broker Compensation Test | Resolved-\*\*Received Cure Package - Due Diligence Vendor-03/05/2026 <br> Resolved- - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Open-This loan failed the Dual Broker Compensation Test. (12 CFR §1026.36(d)(2))This loan has borrower paid broker compensation of $750.00 and broker compensation paid by another party of $44,437.50.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. This loan has borrower paid broker compensation of $750.00 and broker compensation paid by another party of $44,437.50.<br> This loan contains compensation to the broker from both the borrower and lender for loan origination activities. If any loan originator<br> receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive<br> compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination<br> activities.<br> - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-\*\*Received Cure Package - Due Diligence Vendor-03/05/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.77% 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 - 6.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 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 |
| 861158 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-07 10:05 | 2026-03-11 15:03 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Waived-Client Exception granted with compensating factors Exception to accept property condition of C4. C4 is due to no recent updates and Appraiser Confirmes there are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or marketability of the property. - Due Diligence Vendor-03/11/2026 <br> Open-Primary Value Valuation Property Condition Rating does not meet Program Requirement of C3. - Due Diligence Vendor-03/07/2026 |  | Waived-Client Exception granted with compensating factors Exception to accept property condition of C4. C4 is due to no recent updates and Appraiser Confirmes there are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or marketability of the property. - Due Diligence Vendor-03/11/2026 | 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 28.94 Are Greater Than The Guideline Minimum Of 3 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 Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 | 75% LTV, 28 months Post Closing Reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861159 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-27 04:23 | 2026-03-02 13:02 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) . Provide a Desk review, field review or second appraisal as required per guidelines. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 | Resolved-CDA provided - Due Diligence Vendor-03/02/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<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 - 36.83 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 - 36.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.15 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 17.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.02% 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 700 By Twenty (20) or More Points |  | CCA_OTHER APPRAISAL REVIEW.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861159 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-27 08:59 | 2026-02-27 08:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL FOR xxxxxx ACRES PER GUIDELINE LIMIT IS 10 ACRES - Due Diligence Vendor-02/27/2026 |  | Waived-Client Exception granted with compensating factors EXCEPTION APPROVAL FOR xxxxxx ACRES PER GUIDELINE LIMIT IS 10 ACRES - Due Diligence Vendor-02/27/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<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 - 36.83 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 - 36.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.15 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 17.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.02% 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 700 By Twenty (20) or More Points | RESIDUAL INCOME OF $42.141 <br> HOUSING RATIO OF 21% <br> BORROWER EXCEEDS MIN CREDIT SCORE REQUIREMENTS BY 125 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861162 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 13:38 | 2026-03-25 13:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factors to allow recent property listing that has not met 6 month requirement - Due Diligence Vendor-03/25/2026 <br> Open-Property was recently listed and terminated on xxxxxx; guideline requires listing seasoning of 6 months - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factors to allow recent property listing that has not met 6 month requirement - Due Diligence Vendor-03/25/2026 | 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 - 16.01 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 - 16.01 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.71 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 28.77% 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 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861168 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 08:23 | 2026-03-17 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. Please see attached title commitment all pages. - Due Diligence Vendor-03/17/2026 <br>Open-Title Document is Incomplete . Provide complete title for the subject property transaction, all schedules with complete chain. At the time of review only the cover page and schedule A was provided. Subject to review and possible additional conditions. - Due Diligence Vendor-03/16/2026 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-03/17/2026 | 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 - 12.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.7% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | 861168_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 |
| 861269 | 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 |  |  |  |
| 861277 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861291 | 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 |  |  |  |
| 861293 | xxxxxx | C A | Closed | xxxxxx | 2026-03-05 06:09 | 2026-03-09 18:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. See attached initial CD - Due Diligence Vendor-03/06/2026 <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-03/05/2026 |  | Resolved-ICD received, data entered, no additional compliance findings - Due Diligence Vendor-03/09/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.77% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) 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 - 17.91 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 - 18.00 Years<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 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review861293_xxxxxx_3_6_2026_14422_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 |

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## Exhibit 99.11

**EXHIBIT 99.11**

**Canopy RATING AGENCY GRADES SUMMARY REPORT**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 848322 | xxxxxx |  | xxxxxx D A B |
| 850147 | xxxxxx |  | xxxxxx D A B |
| 855384 | xxxxxx |  | xxxxxx B A |
| 849913 | xxxxxx |  | xxxxxx D A |
| 851100 | xxxxxx |  | xxxxxx A |
| 856333 | xxxxxx |  | xxxxxx A |
| 853950 | xxxxxx |  | xxxxxx B A |
| 852235 | xxxxxx |  | xxxxxx C A |
| 851992 | xxxxxx |  | xxxxxx B A |
| 851474 | xxxxxx |  | xxxxxx A |
| 852595 | xxxxxx |  | xxxxxx C A |
| 852679 | xxxxxx |  | xxxxxx A D |
| 853332 | xxxxxx |  | xxxxxx A D |
| 851452 | xxxxxx |  | xxxxxx D A |
| 851685 | xxxxxx |  | xxxxxx B A |
| 853139 | xxxxxx |  | xxxxxx B A |
| 851866 | xxxxxx |  | xxxxxx A |
| 851495 | xxxxxx |  | xxxxxx A |
| 853110 | xxxxxx |  | xxxxxx C A |
| 852479 | xxxxxx |  | xxxxxx D A |
| 856323 | xxxxxx |  | xxxxxx B D A |
| 852102 | xxxxxx |  | xxxxxx A |
| 853506 | xxxxxx |  | xxxxxx A |
| 852470 | xxxxxx |  | xxxxxx A |
| 851933 | xxxxxx |  | xxxxxx A |
| 851802 | xxxxxx |  | xxxxxx B A |
| 854332 | xxxxxx |  | xxxxxx D A |
| 850590 | xxxxxx |  | xxxxxx A |
| 850442 | xxxxxx |  | xxxxxx A |
| 852197 | xxxxxx |  | xxxxxx A |
| 856337 | xxxxxx |  | xxxxxx B A |
| 853923 | xxxxxx |  | xxxxxx B A |
| 852806 | xxxxxx |  | xxxxxx A |
| 853677 | xxxxxx |  | xxxxxx A |
| 853101 | xxxxxx |  | xxxxxx A C |
| 856335 | xxxxxx |  | xxxxxx A |
| 852956 | xxxxxx |  | xxxxxx A |
| 852828 | xxxxxx |  | xxxxxx A |
| 855374 | xxxxxx |  | xxxxxx A |
| 853305 | xxxxxx |  | xxxxxx D A |
| 856319 | xxxxxx |  | xxxxxx A NA C |
| 853782 | xxxxxx |  | xxxxxx A |
| 846144 | xxxxxx |  | xxxxxx A |
| 852887 | xxxxxx |  | xxxxxx A |
| 853313 | xxxxxx |  | xxxxxx A |
| 853521 | xxxxxx |  | xxxxxx B A |
| 852905 | xxxxxx |  | xxxxxx D A |
| 854741 | xxxxxx |  | xxxxxx C A |
| 854666 | xxxxxx |  | xxxxxx A |
| 853992 | xxxxxx |  | xxxxxx A |
| 852288 | xxxxxx |  | xxxxxx A |
| 853772 | xxxxxx |  | xxxxxx A |
| 851904 | xxxxxx |  | xxxxxx A D |
| 854768 | xxxxxx |  | xxxxxx C D A |
| 854752 | xxxxxx |  | xxxxxx B A |
| 854605 | xxxxxx |  | xxxxxx B A |
| 854363 | xxxxxx |  | xxxxxx D A |
| 852695 | xxxxxx |  | xxxxxx D A |
| 849633 | xxxxxx |  | xxxxxx A |
| 852691 | xxxxxx |  | xxxxxx B A |
| 854342 | xxxxxx |  | xxxxxx D A |
| 854668 | xxxxxx |  | xxxxxx A D |
| 853918 | xxxxxx |  | xxxxxx A |
| 853982 | xxxxxx |  | xxxxxx D A |
| 854187 | xxxxxx |  | xxxxxx D A |
| 854270 | xxxxxx |  | xxxxxx A |
| 855072 | xxxxxx |  | xxxxxx A |
| 852228 | xxxxxx |  | xxxxxx A |
| 852895 | xxxxxx |  | xxxxxx A |
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| 853694 | xxxxxx |  | xxxxxx A |
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| 854021 | xxxxxx |  | xxxxxx A |
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| 851760 | xxxxxx |  | xxxxxx B A |
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| 854482 | xxxxxx |  | xxxxxx D A |
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| 853818 | xxxxxx |  | xxxxxx D A |
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| 856555 | xxxxxx |  | xxxxxx D A |
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| 852220 | xxxxxx |  | xxxxxx A |
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| 855597 | xxxxxx |  | xxxxxx D A |
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| 852821 | xxxxxx |  | xxxxxx D C A |
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| 853845 | xxxxxx |  | xxxxxx B A C |
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| 852225 | xxxxxx |  | xxxxxx D A C |
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| 854330 | xxxxxx |  | xxxxxx A D |
| 854965 | xxxxxx |  | xxxxxx A |
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| 855241 | xxxxxx |  | xxxxxx D A |
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| 852139 | xxxxxx |  | xxxxxx A D |
| 856774 | xxxxxx |  | xxxxxx A NA |
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| 855065 | xxxxxx |  | xxxxxx B A |
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| 857395 | xxxxxx |  | xxxxxx D A B |
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| 854929 | xxxxxx |  | xxxxxx A |
| 856549 | xxxxxx |  | xxxxxx A |
| 856613 | xxxxxx |  | xxxxxx A |
| 855601 | xxxxxx |  | xxxxxx D A B |
| 855633 | xxxxxx |  | xxxxxx B A |
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| 855159 | xxxxxx |  | xxxxxx D A |
| 848519 | xxxxxx |  | xxxxxx A D |
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| 856837 | xxxxxx |  | xxxxxx A |
| 854624 | xxxxxx |  | xxxxxx B A |
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| 853843 | xxxxxx |  | xxxxxx A NA |
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| 857922 | xxxxxx |  | xxxxxx C A B |
| 856621 | xxxxxx |  | xxxxxx C A |
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| 853458 | xxxxxx |  | xxxxxx D A |
| 856574 | xxxxxx |  | xxxxxx A |
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| 855223 | xxxxxx |  | xxxxxx D A |
| 856765 | xxxxxx |  | xxxxxx A NA D |
| 853960 | xxxxxx |  | xxxxxx D A B |
| 854490 | xxxxxx |  | xxxxxx A C |
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| 854449 | xxxxxx |  | xxxxxx C A |
| 857874 | xxxxxx |  | xxxxxx A |
| 849043 | xxxxxx |  | xxxxxx A C |
| 856943 | xxxxxx |  | xxxxxx A NA |
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| 857532 | xxxxxx |  | xxxxxx A |
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| 858230 | xxxxxx |  | xxxxxx D A B |
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| 857308 | xxxxxx |  | xxxxxx D A |
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| 858040 | xxxxxx |  | xxxxxx A |
| 854740 | xxxxxx |  | xxxxxx A NA |
| 857583 | xxxxxx |  | xxxxxx D A |
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| 856235 | xxxxxx |  | xxxxxx D A |
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| 854530 | xxxxxx |  | xxxxxx A |
| 855317 | xxxxxx |  | xxxxxx A NA C D |
| 858092 | xxxxxx |  | xxxxxx A |
| 857300 | xxxxxx |  | xxxxxx A NA |
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| 859238 | xxxxxx |  | xxxxxx D A |
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| 853813 | xxxxxx |  | xxxxxx A |
| 856141 | xxxxxx |  | xxxxxx D A B |
| 856814 | xxxxxx |  | xxxxxx D NA |
| 858002 | xxxxxx |  | xxxxxx A NA |
| 858024 | xxxxxx |  | xxxxxx A |
| 858111 | xxxxxx |  | xxxxxx A |
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| 856710 | xxxxxx |  | xxxxxx A |
| 857980 | xxxxxx |  | xxxxxx A NA |
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| 857700 | xxxxxx |  | xxxxxx A |
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| 858350 | xxxxxx |  | xxxxxx D A C |
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| 854660 | xxxxxx |  | xxxxxx B C A |
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| 858501 | xxxxxx |  | xxxxxx A |
| 852549 | xxxxxx |  | xxxxxx A NA |
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| 856397 | xxxxxx |  | xxxxxx D NA |
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| 858037 | xxxxxx |  | xxxxxx A |
| 858832 | xxxxxx |  | xxxxxx A NA |
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| 855170 | xxxxxx |  | xxxxxx D C A |
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| 858012 | xxxxxx |  | xxxxxx A NA C |
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| 858059 | xxxxxx |  | xxxxxx A |
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| 856088 | xxxxxx |  | xxxxxx D A |
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| 856913 | xxxxxx |  | xxxxxx A NA C |
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| 856955 | xxxxxx |  | xxxxxx A NA C |
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| 858946 | xxxxxx |  | xxxxxx A NA D |
| 857588 | xxxxxx |  | xxxxxx D NA |
| 857989 | xxxxxx |  | xxxxxx B A D |
| 858571 | xxxxxx |  | xxxxxx D NA |
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| 858139 | xxxxxx |  | xxxxxx D C A |
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| 856413 | xxxxxx |  | xxxxxx A NA |
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| 856818 | xxxxxx |  | xxxxxx A NA |
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| 858045 | xxxxxx |  | xxxxxx A NA |
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| 858622 | xxxxxx |  | xxxxxx D A |
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| 859978 | xxxxxx |  | xxxxxx D C A |
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| 859251 | xxxxxx |  | xxxxxx A NA |
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| 859660 | xxxxxx |  | xxxxxx A NA |
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| 861142 | xxxxxx |  | xxxxxx D A B |
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| 860036 | xxxxxx |  | xxxxxx A |
| 860444 | xxxxxx |  | xxxxxx A |
| 858636 | xxxxxx |  | xxxxxx A C |
| 859058 | xxxxxx |  | xxxxxx A |
| 859716 | xxxxxx |  | xxxxxx C A B |
| 860881 | xxxxxx |  | xxxxxx A |
| 857876 | xxxxxx |  | xxxxxx D A |
| 859287 | xxxxxx |  | xxxxxx A |
| 859761 | xxxxxx |  | xxxxxx A |
| 859783 | xxxxxx |  | xxxxxx D A |
| 860158 | xxxxxx |  | xxxxxx A |
| 857320 | xxxxxx |  | xxxxxx A NA C |
| 858789 | xxxxxx |  | xxxxxx D NA |
| 858837 | xxxxxx |  | xxxxxx D A |
| 859245 | xxxxxx |  | xxxxxx A |
| 860283 | xxxxxx |  | xxxxxx A |
| 860878 | xxxxxx |  | xxxxxx A |
| 860311 | xxxxxx |  | xxxxxx A NA |
| 860506 | xxxxxx |  | xxxxxx A |
| 858862 | xxxxxx |  | xxxxxx A NA |
| 859664 | xxxxxx |  | xxxxxx A |
| 859811 | xxxxxx |  | xxxxxx D NA C B |
| 861293 | xxxxxx |  | xxxxxx A NA C |
| 860717 | xxxxxx |  | xxxxxx B A |
| 861149 | xxxxxx |  | xxxxxx D A |
| 861158 | xxxxxx |  | xxxxxx A C B |
| 861145 | xxxxxx |  | xxxxxx A B |
| 860943 | xxxxxx |  | xxxxxx A |
| 860045 | xxxxxx |  | xxxxxx A |
| 859836 | xxxxxx |  | xxxxxx A |
| 859982 | xxxxxx |  | xxxxxx D A |
| 860762 | xxxxxx |  | xxxxxx A |
| 861117 | xxxxxx |  | xxxxxx A |
| 860605 | xxxxxx |  | xxxxxx A |
| 850332 | xxxxxx |  | xxxxxx A |
| 859053 | xxxxxx |  | xxxxxx A |
| 859070 | xxxxxx |  | xxxxxx A |
| 860272 | xxxxxx |  | xxxxxx D NA |
| 859296 | xxxxxx |  | xxxxxx A |
| 861291 | xxxxxx |  | xxxxxx A NA |
| 858666 | xxxxxx |  | xxxxxx A |
| 859745 | xxxxxx |  | xxxxxx D NA |
| 860326 | xxxxxx |  | xxxxxx A NA |
| 861147 | xxxxxx |  | xxxxxx B A |
| 861144 | xxxxxx |  | xxxxxx B A |
| 859971 | xxxxxx |  | xxxxxx A |
| 857767 | xxxxxx |  | xxxxxx A NA |
| 861277 | xxxxxx |  | xxxxxx A |
| 859867 | xxxxxx |  | xxxxxx A |
| 861168 | xxxxxx |  | xxxxxx D A |
| 860385 | xxxxxx |  | xxxxxx B A |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**Canopy DATA COMPARE rEPORT**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 857886 | xxxxxx |  | Amortization Term | 360 | 240 |
| 857540 | xxxxxx |  | Amortization Term | 360 | 240 |
| 860149 | xxxxxx |  | Amortization Term | 360 | 240 |
| 859806 | xxxxxx |  | Amortization Term | 360 | 240 |
| 859070 | xxxxxx |  | Amortization Term | 360 | -1000000119 |
| 851802 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 850562 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 854118 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 851840 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 852220 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 855468 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 852139 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 855415 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 855159 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 844379 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 852675 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 855144 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 852785 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 858896 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 850332 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 854948 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 857742 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 857710 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 855570 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 854530 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 857800 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 856088 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 860048 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 860116 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 858139 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 858800 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 857517 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 850197 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 858683 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 858622 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 859287 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 860506 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 859982 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 861117 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 860272 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 851992 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 851474 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852744 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 851760 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 850562 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 853872 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852546 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 851840 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 853844 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852220 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 855597 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 854090 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 854619 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 853845 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852225 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 855468 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 854965 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 856538 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 855241 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852139 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 854100 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 855415 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 855601 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 855159 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 849330 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 853813 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858131 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 844379 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852675 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 855144 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 848916 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852785 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 849913 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 846144 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 850504 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 854788 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 854619 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 857592 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 857728 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 857137 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 856842 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 852785 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 859108 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 850197 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 859313 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 860149 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 860605 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 859745 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 857767 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 851100 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853521 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852905 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854668 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854270 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852895 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854181 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854021 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852447 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854482 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850504 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 851700 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849112 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848935 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854330 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855268 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855305 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855633 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856621 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853960 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856403 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856742 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856589 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856235 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856709 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854530 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 857728 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856094 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 857233 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858081 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856842 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 857317 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858831 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858768 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858800 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858167 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855580 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859108 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 857517 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850197 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858939 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859833 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859716 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859287 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859761 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859982 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861117 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850332 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859745 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861277 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861168 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853139 | xxxxxx |  | Interest Rate | 7.25 | 7.875 |
| 853865 | xxxxxx |  | Interest Rate | 6.75 | 6.6750 |
| 857864 | xxxxxx |  | Interest Rate | 7 | 7.25 |
| 860877 | xxxxxx |  | Interest Rate | 6.75 | 6.625 |
| 860272 | xxxxxx |  | Interest Rate | 9 | 9.3750 |
| 851452 | xxxxxx |  | Margin | 6.5 | 2 |
| 854332 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 853782 | xxxxxx |  | Margin | 6.5 | 2 |
| 854752 | xxxxxx |  | Margin | 6.5 | 2 |
| 854605 | xxxxxx |  | Margin | 6.5 | 2 |
| 856392 | xxxxxx |  | Margin | 6.5 | 2 |
| 856350 | xxxxxx |  | Margin | 6.5 | 2 |
| 856619 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 856558 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 856623 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 856555 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 856777 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 857284 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 857341 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 858383 | xxxxxx |  | Margin | 6.5 | 2 |
| 858885 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 856844 | xxxxxx |  | Number of Units | 3 | 1 |
| 855597 | xxxxxx |  | Number of Units | 6 | 5 |
| 852139 | xxxxxx |  | Number of Units | 6 | 1 |
| 857284 | xxxxxx |  | Number of Units | 4 | 1 |
| 849330 | xxxxxx |  | Number of Units | 1 | 5 |
| 859776 | xxxxxx |  | Number of Units | 3 | 1 |
| 859761 | xxxxxx |  | Number of Units | 2 | 1 |
| 854740 | xxxxxx |  | Originator Doc Type | 1YR Full Doc | Second |
| 852549 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 858012 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 856913 | xxxxxx |  | Originator Doc Type | 2YR Full Doc | Second |
| 856953 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 856818 | xxxxxx |  | Originator Doc Type | 2YR Full Doc | Second |
| 858019 | xxxxxx |  | Originator Doc Type | 2YR Full Doc | Second |
| 859629 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 859251 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 859660 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 860326 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 848322 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 850147 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 856333 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 853950 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 856337 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 856335 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 857489 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 857179 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 857182 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 857183 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857388 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857389 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857390 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857392 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857395 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 858227 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 858228 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 858229 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 858230 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 858231 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 858232 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 858233 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 858234 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 858235 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 858236 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 859756 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 859233 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 861162 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 861159 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 861158 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 851992 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854666 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854768 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854752 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854605 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853982 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854589 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856350 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853352 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856844 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854792 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855597 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856820 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854948 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852225 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856761 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854965 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853458 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856574 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853491 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856589 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 849330 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854347 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856725 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855570 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856709 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854530 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858614 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856710 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858239 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857889 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857233 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 859622 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857231 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858011 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857989 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858152 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858172 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857864 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858139 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 859108 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 859663 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858585 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857517 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 859806 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860257 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 859058 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858837 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 859245 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860283 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860762 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 859070 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857319 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 861269 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 859660 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 859058 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 849913 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852679 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851452 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 853139 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 854332 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 852956 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 855374 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 853305 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853782 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853521 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852288 | xxxxxx |  | Property Type | PUD | Detached |
| 851904 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854752 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 854605 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 849633 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854342 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854016 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854181 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854021 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855031 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854829 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856392 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855183 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 851760 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855589 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855310 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853872 | xxxxxx |  | Property Type | Condominium | Single Family Detached |
| 854118 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 856350 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 853818 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856619 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856903 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856558 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855443 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856623 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 856608 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856555 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 856798 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 856777 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 858256 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855409 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852821 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854948 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 851392 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852225 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 855465 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Detached |
| 854344 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855078 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857886 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 854828 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Detached |
| 855592 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849052 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856774 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 854929 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856549 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 848519 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 857883 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 853843 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857456 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857318 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856742 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856905 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858222 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858383 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 857015 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857308 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858151 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855570 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857274 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854530 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 858092 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 857728 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858885 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 857980 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858162 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 844379 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858576 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855153 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858239 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 857761 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857996 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855144 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858059 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860048 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857231 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857531 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 858011 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860050 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858571 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 858819 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857295 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858172 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857864 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858139 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 855413 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852556 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856658 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858768 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858800 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859630 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 858896 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 858707 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 858705 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858939 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858694 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 858740 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860041 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859806 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860420 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858045 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 860299 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 859776 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Attached |
| 860257 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860444 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 859761 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 860506 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860045 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859836 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860762 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859070 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 859296 | xxxxxx |  | Property Type | PUD | Two to Four Unit |
| 858666 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859867 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850147 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 858227 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 858228 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 858229 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 859747 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 860722 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 859748 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 860125 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 861162 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 856337 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858305 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858024 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858638 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858081 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859040 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859037 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 852785 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858682 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 850197 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858640 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860149 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858683 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860716 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859836 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859982 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859745 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859971 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 857767 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 850147 | xxxxxx |  | Qualifying CLTV | 58.78 | 75 |
| 851992 | xxxxxx |  | Qualifying CLTV | 52.04 | 57.44681 |
| 857874 | xxxxxx |  | Qualifying CLTV | 67.57 | 75.00 |
| 858227 | xxxxxx |  | Qualifying CLTV | 64.56 | 70 |
| 858228 | xxxxxx |  | Qualifying CLTV | 66.16 | 70 |
| 854347 | xxxxxx |  | Qualifying CLTV | 65.22 | 75.00 |
| 857166 | xxxxxx |  | Qualifying CLTV | 58.56 | 55.42 |
| 858896 | xxxxxx |  | Qualifying CLTV | 45.71 | 42.89 |
| 859748 | xxxxxx |  | Qualifying CLTV | 81.3 | 85 |
| 860125 | xxxxxx |  | Qualifying CLTV | 75.06 | 80 |
| 859245 | xxxxxx |  | Qualifying CLTV | 39.78 | 43.29 |
| 860283 | xxxxxx |  | Qualifying CLTV | 60.16 | 64.17 |
| 853332 | xxxxxx |  | Qualifying FICO | 750 | 743 |
| 854363 | xxxxxx |  | Qualifying FICO | 723 | 743 |
| 854256 | xxxxxx |  | Qualifying FICO | 781 | 777 |
| 854330 | xxxxxx |  | Qualifying FICO | 685 | 666 |
| 855592 | xxxxxx |  | Qualifying FICO | 692 | 679 |
| 855065 | xxxxxx |  | Qualifying FICO | 790 | 769 |
| 853843 | xxxxxx |  | Qualifying FICO | 763 | 748 |
| 854797 | xxxxxx |  | Qualifying FICO | 783 | 780 |
| 848246 | xxxxxx |  | Qualifying FICO | 763 | 795 |
| 850197 | xxxxxx |  | Qualifying FICO | 770 | 772 |
| 858694 | xxxxxx |  | Qualifying FICO | 751 | 765 |
| 860125 | xxxxxx |  | Qualifying FICO | 707 | 695 |
| 854792 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 854490 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 857874 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 857166 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 858239 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 857864 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 859630 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 858896 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 858740 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 850147 | xxxxxx |  | Qualifying LTV | 58.78 | 75 |
| 851992 | xxxxxx |  | Qualifying LTV | 52.04 | 57.44681 |
| 857874 | xxxxxx |  | Qualifying LTV | 67.57 | 75.00 |
| 858227 | xxxxxx |  | Qualifying LTV | 64.56 | 70 |
| 858228 | xxxxxx |  | Qualifying LTV | 66.16 | 70 |
| 854347 | xxxxxx |  | Qualifying LTV | 65.22 | 75.00 |
| 857166 | xxxxxx |  | Qualifying LTV | 58.56 | 55.42 |
| 858896 | xxxxxx |  | Qualifying LTV | 45.71 | 42.89 |
| 859748 | xxxxxx |  | Qualifying LTV | 81.3 | 85 |
| 860125 | xxxxxx |  | Qualifying LTV | 75.06 | 80 |
| 859245 | xxxxxx |  | Qualifying LTV | 39.78 | 43.29 |
| 860283 | xxxxxx |  | Qualifying LTV | 60.16 | 64.17 |
| 850442 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.24 | 8.32 |
| 855462 | xxxxxx |  | Qualifying Total Debt Income Ratio | 41.24 | 47.66 |
| 856230 | xxxxxx |  | Qualifying Total Debt Income Ratio | 17.95 | 21.73 |
| 856774 | xxxxxx |  | Qualifying Total Debt Income Ratio | 7.33 | 5.239 |
| 853843 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.99 | 38.973 |
| 853458 | xxxxxx |  | Qualifying Total Debt Income Ratio | 10.3 | 6.76 |
| 856943 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.31 | 32.91 |
| 854616 | xxxxxx |  | Qualifying Total Debt Income Ratio | 35.34 | 30.58 |
| 857521 | xxxxxx |  | Qualifying Total Debt Income Ratio | 33.02 | 28.98 |
| 857166 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.63 | 34.75 |
| 857592 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.27 | 50.00 |
| 858614 | xxxxxx |  | Qualifying Total Debt Income Ratio | 25.05 | 27.79 |
| 856141 | xxxxxx |  | Qualifying Total Debt Income Ratio | 41.25 | 34.46 |
| 856814 | xxxxxx |  | Qualifying Total Debt Income Ratio | 31.62 | 34.68 |
| 857980 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.99 | 44.422 |
| 858638 | xxxxxx |  | Qualifying Total Debt Income Ratio | 30.8 | 33.00 |
| 857137 | xxxxxx |  | Qualifying Total Debt Income Ratio | 45.02 | 35.00 |
| 856942 | xxxxxx |  | Qualifying Total Debt Income Ratio | 38.6 | 33.31 |
| 853800 | xxxxxx |  | Qualifying Total Debt Income Ratio | 35.32 | 33.56 |
| 858832 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.08 | 19.91 |
| 858088 | xxxxxx |  | Qualifying Total Debt Income Ratio | 37.71 | 9.91 |
| 855170 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.83 | 42.20 |
| 857233 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.48 | 19.79 |
| 858059 | xxxxxx |  | Qualifying Total Debt Income Ratio | 47.42 | 42.90 |
| 857574 | xxxxxx |  | Qualifying Total Debt Income Ratio | 41.51 | 38.76 |
| 848916 | xxxxxx |  | Qualifying Total Debt Income Ratio | 37.27 | 20.58 |
| 857531 | xxxxxx |  | Qualifying Total Debt Income Ratio | 16.11 | 4.85 |
| 858011 | xxxxxx |  | Qualifying Total Debt Income Ratio | 23.02 | 42.00 |
| 857743 | xxxxxx |  | Qualifying Total Debt Income Ratio | 33.96 | 31.51 |
| 858831 | xxxxxx |  | Qualifying Total Debt Income Ratio | 24.37 | 29.00 |
| 857864 | xxxxxx |  | Qualifying Total Debt Income Ratio | 38.89 | 30.343 |
| 858139 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.8 | 44 |
| 848246 | xxxxxx |  | Qualifying Total Debt Income Ratio | 26.6 | 9.48 |
| 856413 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.35 | 41.4 |
| 855814 | xxxxxx |  | Qualifying Total Debt Income Ratio | 19.03 | 17.265 |
| 859924 | xxxxxx |  | Qualifying Total Debt Income Ratio | 23.33 | 16 |
| 850197 | xxxxxx |  | Qualifying Total Debt Income Ratio | 24.05 | 6.01 |
| 857343 | xxxxxx |  | Qualifying Total Debt Income Ratio | 34.4 | 25.92 |
| 859321 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.54 | 25.26 |
| 859614 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.55 | 43.00 |
| 860420 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.78 | 43.9 |
| 859833 | xxxxxx |  | Qualifying Total Debt Income Ratio | 38.67 | 35 |
| 859978 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.8 | 38.93 |
| 858852 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.55 | 36.99 |
| 860257 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.69 | 46.61 |
| 860457 | xxxxxx |  | Qualifying Total Debt Income Ratio | 45.66 | 47.07 |
| 859058 | xxxxxx |  | Qualifying Total Debt Income Ratio | 31.75 | 26.10 |
| 859716 | xxxxxx |  | Qualifying Total Debt Income Ratio | 23.58 | 35.89 |
| 858789 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.84 | 38.10 |
| 858837 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.37 | 14.00 |
| 859245 | xxxxxx |  | Qualifying Total Debt Income Ratio | 12.8 | 4.91 |
| 860311 | xxxxxx |  | Qualifying Total Debt Income Ratio | 34.61 | 25.64 |
| 859836 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.35 | 42.30 |
| 859982 | xxxxxx |  | Qualifying Total Debt Income Ratio | 22.69 | 30.00 |
| 860762 | xxxxxx |  | Qualifying Total Debt Income Ratio | 41.54 | 34.3 |
| 861117 | xxxxxx |  | Qualifying Total Debt Income Ratio | 19.4 | 25 |
| 858501 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash-Out/Other |
| 858946 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | CashOutLimited |
| 857989 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 860300 | xxxxxx |  | Refinance Type | Cash Out - Other | No Cash Out - Borrower Initiated |
| 854752 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 856378 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 855719 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 854792 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 856820 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 855633 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 853491 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 859622 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 857864 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 858740 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 860717 | xxxxxx |  | Verified Doc Type | 1YR Business P&L | 12 Mo. Business Bank Statements |
| 860943 | xxxxxx |  | Verified Doc Type | 1YR Business P&L | Written Verification of Employment |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**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?** |
| 848322 |  | 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 |
| 850147 |  | 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 |
| 855384 |  | 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 |
| 849913 |  | 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 |
| 851100 |  | 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 |
| 856333 |  | 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 |  |  |  | Yes | Yes | Yes | Present |
| 853950 |  | 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 |
| 852235 |  | 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 |
| 851992 |  | 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 |
| 851474 |  | 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 | Yes | Yes | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852595 |  | 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 |
| 852679 |  | 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 |
| 853332 |  | 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 | No | Yes | Present |
| 851452 |  | 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 |
| 851685 |  | 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 |
| 853139 |  | 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 |
| 851866 |  | 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 |
| 851495 |  | 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 |
| 853110 |  | 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 |
| 852479 |  | 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 |
| 856323 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9479.36 | 9.517 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8400.06 | N/A | Employed |  | No |  | No |  |
| 852102 |  | 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 |
| 853506 |  | 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 |
| 852470 |  | 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 |
| 851933 |  | 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 |
| 851802 |  | 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 |
| 854332 |  | 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 |
| 850590 |  | 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 |
| 850442 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 10829 | 7.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 47080.28 | N/A | Employed |  | No |  | No |  |
| 852197 |  | 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 |
| 856337 |  | 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 |
| 853923 |  | 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 |
| 852806 |  | 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 |
| 853677 |  | 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 |
| 853101 |  | 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 |
| 856335 |  | 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 |
| 852956 |  | 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 |
| 852828 |  | 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 |
| 855374 |  | 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 |
| 853305 |  | 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 |
| 856319 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 7339 | 9.738 | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 15532.76 | N/A | Employed |  | No |  | No |  |
| 853782 |  | 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 |
| 846144 |  | 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 |
| 852887 |  | 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 |
| 853313 |  | 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 |
| 853521 |  | 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 |
| 852905 |  | 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 |
| 854741 |  | 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 |
| 854666 |  | 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 |
| 853992 |  | 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 |
| 852288 |  | 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 |
| 853772 |  | 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 |
| 851904 |  | 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 |
| 854768 |  | 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 |
| 854752 |  | 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 |
| 854605 |  | 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 |
| 854363 |  | 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 |
| 852695 |  | 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 |
| 849633 |  | 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 |
| 852691 |  | 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 |
| 854342 |  | 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 | No | Yes | Present |
| 854668 |  | 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 |
| 853918 |  | 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 |
| 853982 |  | 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 |
| 854187 |  | 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 |
| 854270 |  | 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 |
| 855072 |  | 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 |
| 852228 |  | 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 |
| 852895 |  | 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 |
| 854016 |  | 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 |
| 854589 |  | 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 |
| 853694 |  | 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 |
| 854181 |  | 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 |
| 854021 |  | 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 | No | Yes | Present |
| 855031 |  | 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 |
| 850823 |  | 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 | -7553 |  |  |  | No |  | Yes | Present |
| 852447 |  | 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 |
| 855429 |  | 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 |
| 852552 |  | 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 |
| 855240 |  | 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 |
| 853903 |  | 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 |
| 854829 |  | 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 |
| 853467 |  | 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 |
| 856392 |  | 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 |
| 854256 |  | 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 |
| 855183 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 855017 |  | 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 |
| 855077 |  | 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 |
| 852744 |  | 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 | -13323.48 |  |  |  | No | No | Yes | Present |
| 856378 |  | 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 | -2698 |  |  |  | No | No | Yes | Present |
| 850685 |  | 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 |
| 851760 |  | 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 |
| 854191 |  | 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 |
| 855718 |  | 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 |  |  |  | Yes |  | Yes | Present |
| 854911 |  | 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 |
| 855589 |  | 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 |
| 855310 |  | 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 |
| 855649 |  | 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 |
| 850562 |  | 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 |
| 853872 |  | 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 |
| 854118 |  | 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 |
| 853661 |  | 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 |
| 858265 |  | 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 |
| 854367 |  | 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 |
| 854482 |  | 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 |
| 856350 |  | 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 |
| 852546 |  | 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 |
| 853818 |  | 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 |
| 853352 |  | 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 |
| 855719 |  | 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 | -5458 |  |  |  | No |  | Yes | Present |
| 853784 |  | 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 |
| 851840 |  | 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 |
| 855117 |  | 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 |
| 857489 |  | 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 |
| 850504 |  | 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 |
| 854541 |  | 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 |
| 851679 |  | 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 |
| 855803 |  | 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 |
| 856844 |  | 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 |
| 856619 |  | 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 |
| 856903 |  | 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 |
| 856558 |  | 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 |
| 854141 |  | 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 |
| 853844 |  | 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 |
| 853660 |  | 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 |
| 854792 |  | 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 |
| 854788 |  | 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 |
| 855443 |  | 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 |
| 856623 |  | 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 |
| 856608 |  | 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 |
| 856555 |  | 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 |
| 859746 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 10990 | 10.172 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 28441.02 | N/A | Employed |  | No |  | No |  |
| 851700 |  | 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 |
| 852220 |  | 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 |
| 856798 |  | 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 |
| 856777 |  | 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 |
| 855597 |  | 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 |
| 858305 |  | 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 |
| 858256 |  | 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 | 22077.45 | Yes | Employed | Employed | No | No | Yes | Present |
| 849112 |  | 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 |
| 855148 |  | 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 |
| 855409 |  | 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 |
| 848935 |  | 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 |
| 856820 |  | 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 |
| 854090 |  | 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 |
| 851738 |  | 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 |
| 854619 |  | 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 |
| 858275 |  | 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 |
| 858284 |  | 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 |
| 856228 |  | 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 |
| 851782 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 16330.62 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7188.4 | Yes | Employed |  | No |  | No |  |
| 852821 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 5529.45 | 7.393 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3391.15 | Yes | Not Employed |  | No |  | No |  |
| 854948 |  | 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 |
| 855569 |  | 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 |
| 855462 |  | 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 | 9117.58 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 853845 |  | 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 |
| 857178 |  | 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 |
| 857179 |  | 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 |
| 857182 |  | 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 |
| 857183 |  | 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 |
| 851392 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 4529.37 | 7.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13778.54 | Yes | Employed |  | No |  | No |  |
| 854783 |  | 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 |
| 854119 |  | 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 |
| 852225 |  | 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 |
| 855126 |  | 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 |
| 857388 |  | 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 |
| 857389 |  | 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 |
| 857390 |  | 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 |
| 857392 |  | 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 |
| 856230 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7877.79 | 7.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 47795.4 | N/A | Employed |  | No |  | No |  |
| 855465 |  | 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 |
| 851061 |  | 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 |
| 854647 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 0 | 7.248 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15466.47 | Yes | Employed | Employed | No | No | No |  |
| 855468 |  | 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 |
| 856761 |  | 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 |
| 854344 |  | 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 |
| 855078 |  | 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 | No | Yes | Present |
| 856405 |  | 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 |
| 855020 |  | 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 |
| 857886 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1890 | 6.886 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30173.66 | Yes | Employed | Employed | No | No | No |  |
| 854828 |  | 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 |
| 854330 |  | 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 |
| 854965 |  | 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 |
| 855268 |  | 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 |
| 856538 |  | 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 |
| 855241 |  | 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 |
| 855592 |  | 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 | No | Yes | Present |
| 849052 |  | 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 |
| 852139 |  | 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 |
| 856774 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 8.634 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 322389.09 | Yes | Employed |  | No |  | No |  |
| 854100 |  | 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 |
| 855065 |  | 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 |
| 860723 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 14800 | 8.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17209.54 | N/A | Employed |  | No |  | No |  |
| 857395 |  | 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 |
| 855305 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 3090 | 7.2 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11373.56 | N/A | Employed |  | No |  | No |  |
| 855415 |  | 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 |
| 854929 |  | 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 |
| 856549 |  | 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 |
| 856613 |  | 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 |
| 855601 |  | 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 |
| 855633 |  | 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 |
| 857758 |  | 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 |
| 857175 |  | 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 |
| 855159 |  | 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 |
| 848519 |  | 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 |
| 857883 |  | 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 |
| 856837 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1528.89 | 7.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 52087.03 | N/A | Employed | Employed | No | No | No |  |
| 854624 |  | 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 |
| 858373 |  | 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 |
| 853843 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1815 | 7.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5089.58 | N/A | Employed | Not Employed | No | No | No |  |
| 853865 |  | 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 |
| 857922 |  | 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 |
| 856621 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 2608.92 | 8.515 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5055.19 | Yes | Employed |  | No |  | No |  |
| 857557 |  | 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 |  |  |  |  | No |  | Yes | Present |
| 853458 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 1845 | 8.128 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29058.18 | N/A | Employed |  | No |  | No |  |
| 856574 |  | 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 |
| 857411 |  | 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 |
| 855223 |  | 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 |
| 856765 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7375 | 7.67 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 13898.07 | N/A | Employed | Employed | No | No | No |  |
| 853960 |  | 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 |
| 854490 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 6823 | 7.879 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5494.04 | N/A | Employed |  | No |  | No |  |
| 856403 |  | 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 |
| 857284 |  | 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 |
| 857456 |  | 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 |
| 857318 |  | 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 |
| 857341 |  | 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 |  |  |  |  | Yes | Yes | Yes | Present |
| 856742 |  | 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 |
| 855841 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 7495 | 7.764 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| 854449 |  | 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 |  |  |  |  | No | No | Yes | Present |
| 857874 |  | 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 |
| 849043 |  | 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 |
| 856943 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 6435.5 | 8.958 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 43122.24 | Yes | Employed |  | No |  | No |  |
| 853491 |  | 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 |
| 856905 |  | 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 |
| 858174 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 4820.5 | 7.853 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2685.13 | N/A | Employed |  | No |  | No |  |
| 857532 |  | 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 |
| 858222 |  | 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 |
| 854616 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | Yes | No | No | No | No | Yes | 25542.25 | 7.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8700.93 | Yes | Employed | Employed | No | No | No |  |
| 857923 |  | 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 |
| 857540 |  | 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 |
| 856767 |  | 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 |
| 858395 |  | 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 |
| 858383 |  | 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 |  |  |  |  | Yes | Yes | Yes | Present |
| 857345 |  | 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 |
| 857870 |  | 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 |
| 856589 |  | 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 |
| 858227 |  | 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 |
| 858228 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858229 |  | 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 |
| 858230 |  | 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 |
| 858231 |  | 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 |
| 858232 |  | 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 |
| 858233 |  | 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 |
| 858234 |  | 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 |
| 858235 |  | 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 |
| 858236 |  | 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 |
| 860121 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 10424.38 | 8.153 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4588.15 | N/A | Employed | Employed | No | No | No |  |
| 858396 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.718 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16407.22 | N/A | Employed |  | No |  | No |  |
| 849330 |  | 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 |
| 854347 |  | 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 |
| 856725 |  | 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 |
| 857015 |  | 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 |
| 857308 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1790 | 9.291 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17099.24 | Yes | Not Employed | Employed | No | No | No |  |
| 858151 |  | 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 |
| 858040 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 3090 | 7.304 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 43957.27 | N/A | Employed | Employed | No | No | No |  |
| 854740 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2927.61 | 10.019 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8047.67 | N/A | Employed |  | No |  | No |  |
| 857583 |  | 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 |
| 855785 |  | 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 |
| 859756 |  | 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 | 21289.01 | N/A | Employed |  | No |  | Yes | Present |
| 859752 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 57020 | 7.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31474.79 | Yes | Employed | Not Employed | No | No | No |  |
| 854931 |  | 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 |
| 857568 |  | 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 | 34287.26 | N/A | Employed |  | No |  | Yes | Present |
| 857742 |  | 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 | 74281.12 | N/A | Employed |  | No |  | Yes | Present |
| 857519 |  | 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 |
| 857521 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 35227.2 | 7.749 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82158.36 | Yes | Employed |  | No |  | No |  |
| 856235 |  | 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 |  |  |  |  | No |  | Yes | Present |
| 857710 |  | 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 | 1027236.44 | N/A | Employed |  | No |  | Yes | Present |
| 851925 |  | 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 |
| 855570 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 17610.76 | 7.364 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5862.86 | Yes | Employed |  | No |  | No |  |
| 855732 |  | 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 |
| 855733 |  | 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 |
| 857274 |  | 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 |
| 856709 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 0 | 7.25 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7516.15 | N/A | Employed |  | No |  | No |  |
| 854530 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 11055 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14664.55 | N/A | Employed |  | No |  | No |  |
| 855317 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5657.5 | 7.703 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 25448.7 | N/A | Employed |  | No |  | No |  |
| 858092 |  | 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 |
| 857300 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2913.6 | 8.343 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8770.24 | Yes | Employed |  | No |  | No |  |
| 857337 |  | 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 |
| 857166 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 1295 | 7.802 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11107.73 | Yes | Employed |  | No |  | No |  |
| 857301 |  | 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 |
| 857592 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 19595 | 6.743 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17855.5 | N/A | Employed | Employed | No | No | No |  |
| 857728 |  | 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 |
| 858885 |  | 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 |
| 856094 |  | 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 |
| 859238 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3985 | 7.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13186.93 | N/A | Employed |  | No |  | No |  |
| 858614 |  | 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 | 12725.76 | Yes | Employed | Employed | No | No | Yes | Present |
| 853813 |  | 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 |
| 856141 |  | 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 | Employed | Employed | No | No | Yes | Present |
| 856814 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 10782.21 | 8.725 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| 858002 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7610.35 | 7.556 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 21570.24 | N/A | Employed | Employed | No | No | No |  |
| 858024 |  | 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 |
| 858111 |  | 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 |
| 858131 |  | 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 |
| 858882 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 2215 | 9.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 19246.65 | N/A | Employed |  | No |  | No |  |
| 857313 |  | 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 |
| 856710 |  | 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 |
| 857980 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2131.25 | 9.7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3247.75 | Yes | Retired | Retired | No | No | No |  |
| 858162 |  | 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 | 12191.64 | Yes | Employed | Employed | No | No | Yes | Present |
| 858735 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 7.161 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11703.34 | N/A | Employed |  | No |  | No |  |
| 844379 |  | 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 |
| 852675 |  | 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 |
| 854797 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1430 | 7.029 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15826.04 | Yes | Employed |  | No |  | No |  |
| 857700 |  | 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 | 89879.82 | N/A | Employed |  | No |  | Yes | Present |
| 858638 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7095 | 8.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11270.71 | Yes | Employed |  | No |  | No |  |
| 858704 |  | 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 |
| 858350 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 6012 | 7.727 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 99628.8 | N/A | Unknown | Employed | No | No | No |  |
| 857137 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 16994.99 | 7.972 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52638.28 | Yes | Employed |  | No |  | No |  |
| 858576 |  | 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 | 25147.08 | N/A | Employed |  | No |  | Yes | Present |
| 854130 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8132.52 | 7.535 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9450 | N/A | Employed | Employed | No | No | No |  |
| 854660 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 23073.07 | 7.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Retired | Employed | No | No | No |  |
| 855153 |  | 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 | Yes | 7909.38 | Yes | Employed |  | No |  | Yes | Present |
| 856942 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 9523.07 | 6.681 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6826.92 | N/A | Employed | Not Employed | No | No | No |  |
| 857502 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 6590 | 7.879 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7210.1 | Yes | Employed |  | No |  | No |  |
| 858239 |  | 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 | 21720.94 | N/A | Not Employed |  | No |  | Yes | Present |
| 858780 |  | 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 |
| 859684 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1395 | 7.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 116913.47 | N/A | Not Employed | Employed | No | No | No |  |
| 858501 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21901.15 | N/A | Employed |  | No |  | No |  |
| 852549 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 4820.5 | 8.178 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7923.48 | N/A | Employed |  | No |  | No |  |
| 855651 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5770 | 7.356 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13418.96 | Yes | Employed | Employed | No | No | No |  |
| 857761 |  | 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 |
| 857996 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 12825 | 7.487 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5631.67 | N/A | Employed | Employed | No | No | No |  |
| 858127 |  | 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 | 38922.25 | N/A | Employed |  | No |  | Yes | Present |
| 857360 |  | 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 | 67088.5 | N/A | Employed |  | No |  | Yes | Present |
| 857688 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 6225 | 7.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9379.72 | N/A | Employed | Not Employed | No | No | No |  |
| 853800 |  | 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 | 23724.95 | N/A | Employed | Employed | No | No | Yes | Present |
| 856397 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 14588.59 | 9.195 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 92690 | Yes | Employed |  | No |  | No |  |
| 857800 |  | 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 | 26053.79 | N/A | Employed |  | No |  | Yes | Present |
| 858037 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7087.5 | 7.377 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11233.94 | N/A | Employed |  | No |  | No |  |
| 858832 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4078.75 | 8.768 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 19299.7 | N/A | Employed |  | No |  | No |  |
| 858929 |  | 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 | 17233.59 | N/A | Employed | Employed | No | No | Yes | Present |
| 857889 |  | 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 | 9771.55 | N/A | Employed | Employed | No | No | Yes | Present |
| 858088 |  | 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 | 5185.3 | N/A | Employed |  | No |  | Yes | Present |
| 855170 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 10991.63 | 7.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3880.44 | Yes | Employed |  | No |  | No |  |
| 858500 |  | 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 | 264461.71 | N/A | Employed |  | No |  | Yes | Present |
| 858645 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2570 | 7.3 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6649.47 | N/A | Employed |  | No |  | No |  |
| 858012 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2403 | 9.281 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4027.28 | N/A | Employed |  | No |  | No |  |
| 855144 |  | 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 | 41693.93 | N/A | Employed |  | No |  | Yes | Present |
| 860720 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 34628 | 9.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34418.62 | N/A | Employed |  | No |  | No |  |
| 859753 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 13274.38 | 9.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11226.77 | N/A | Employed |  | No |  | No |  |
| 859749 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 18775.63 | 8.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10960.81 | N/A | Employed |  | No |  | No |  |
| 859750 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 11839.88 | 7.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8738.27 | Yes | Employed |  | No |  | No |  |
| 860118 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 12470 | 8.399 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9041.03 | N/A | Employed |  | No |  | No |  |
| 859747 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 14176 | 7.272 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17908.17 | N/A | Employed |  | No |  | No |  |
| 860119 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7238 | 7.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5185.98 | N/A | Employed | Not Employed | No | No | No |  |
| 846998 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 10435 | 7.417 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5962.77 | Yes | Employed |  | No |  | No |  |
| 857233 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 17145 | 7.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18710.22 | Yes | Employed |  | No |  | No |  |
| 858059 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 5779.35 | 9.584 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4898.58 | Yes | Employed |  | No |  | No |  |
| 859622 |  | 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 | 16230.64 | Yes | Employed | Employed | No | No | Yes | Present |
| 857524 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 5233.05 | 7.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12604.84 | Yes | Employed |  | No |  | No |  |
| 858081 |  | 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 | 6055.29 | Yes | Employed | Employed | No | No | Yes | Present |
| 858008 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6605 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6146.73 | N/A | Not Employed | Employed | No | No | No |  |
| 856088 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 11250 | 8.176 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8706.53 | Yes | Employed |  | No |  | No |  |
| 856842 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 12680 | 8.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11964.19 | N/A | Employed |  | No |  | No |  |
| 858850 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | Yes | No | No | No | Yes | 53115 | 8.365 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 86823.72 | N/A | Employed |  | No |  | No |  |
| 858879 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 18075 | 7.083 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 71663.12 | N/A | Employed |  | No |  | No |  |
| 856913 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2546 | 7.493 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 34054.65 | N/A | Employed | Employed | No | No | No |  |
| 860048 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8569.54 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18035.35 | N/A | Employed |  | No |  | No |  |
| 856955 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5595 | 7.588 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9647.69 | N/A | Employed |  | No |  | No |  |
| 856106 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6489 | 8.606 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24512.15 | Yes | Employed |  | No |  | No |  |
| 857887 |  | 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 | 9195.82 | N/A | Employed |  | No |  | Yes | Present |
| 857574 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1135 | 7.285 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12705.21 | N/A | Not Employed | Not Employed | No | No | No |  |
| 859738 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 14545 | 7.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10398.15 | N/A | Employed | Employed | No | No | No |  |
| 848916 |  | 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 | 51208.74 | N/A | Employed |  | No |  | Yes | Present |
| 857231 |  | 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 | 54533.7 | N/A | Employed | Employed | No | No | Yes | Present |
| 857317 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 38339 | 7.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13509.19 | Yes | Employed |  | No |  | No |  |
| 857531 |  | 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 | 215677.6 | N/A | Employed |  | No |  | Yes | Present |
| 858011 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3294 | 7.053 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 39119.41 | N/A | Employed |  | No |  | No |  |
| 859040 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 9090 | 7.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12236.59 | Yes | Employed |  | No |  | No |  |
| 860050 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 42175 | 7.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29573.91 | Yes | Employed |  | No |  | No |  |
| 857743 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 7.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9930.46 | N/A | Employed |  | No |  | No |  |
| 854646 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 11740.65 | 8.113 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28212.65 | Yes | Employed |  | No |  | No |  |
| 860116 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 10350.04 | 7.228 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6756.43 | N/A | Employed |  | No |  | No |  |
| 858946 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 14704.75 | 8.219 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 77730.05 | N/A | Employed | Not Employed | No | No | No |  |
| 857588 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1990 | 7.433 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 16962.36 | N/A | Employed | Employed | No | No | No |  |
| 857989 |  | 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 | 10629.96 | N/A | Employed |  | No |  | Yes | Present |
| 858571 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 3952.7 | 9.775 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 14863.41 | N/A | Employed | Employed | No | No | No |  |
| 858819 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 4682.66 | 10.02 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 28759.9 | N/A | Employed |  | No |  | No |  |
| 856953 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 4461.18 | 9.14 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10604.24 | N/A | Employed |  | No |  | No |  |
| 858142 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1850 | 7.182 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17256.62 | N/A | Employed | Employed | No | No | No |  |
| 858831 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11680 | 7.492 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13118.73 | N/A | Employed |  | No |  | No |  |
| 859037 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 10140 | 7.631 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7182.75 | N/A | Employed |  | No |  | No |  |
| 860722 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 45180.63 | 7.702 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 107733.38 | N/A | Employed |  | No |  | No |  |
| 859751 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 13377.5 | 7.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 62995.3 | N/A | Employed |  | No |  | No |  |
| 860117 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 12065 | 7.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5324.62 | Yes | Employed |  | No |  | No |  |
| 860122 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 9260 | 7.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4059.22 | N/A | Employed | Employed | No | No | No |  |
| 852785 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 17047.97 | 6.972 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17907.42 | Yes | Employed | Employed | No | No | No |  |
| 857295 |  | 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 | 9467.4 | N/A | Employed |  | No |  | Yes | Present |
| 858152 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 14379 | 7.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14184.73 | Yes | Employed |  | No |  | No |  |
| 858172 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 28595 | 6.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 11894.24 | Yes | Employed |  | No |  | No |  |
| 858857 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5376 | 7.334 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 66789.41 | N/A | Employed |  | No |  | No |  |
| 857864 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 15254.72 | 7.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10245.95 | N/A | Not Employed | Employed | No | No | No |  |
| 858139 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 13167 | 7.609 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28614.89 | Yes | Employed |  | No |  | No |  |
| 848246 |  | 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 | Yes | Yes | 166529.64 | Yes | Employed |  | No |  | Yes | Present |
| 856413 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 5289.41 | 8.822 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4476.4 | N/A | Employed |  | No |  | No |  |
| 855413 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4319.02 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9470.33 | Yes | Employed | Employed | No | No | No |  |
| 859086 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 17455.56 | 6.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27505.91 | N/A | Employed |  | No |  | No |  |
| 851813 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1500 | 6.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1583108.56 | Yes | Employed |  | No |  | No |  |
| 852556 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4755.31 | 6.786 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7867.44 | N/A | Unknown |  | No |  | No |  |
| 856658 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1892.4 | 8.696 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8770.08 | Yes | Employed | Employed | No | No | No |  |
| 860093 |  | 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 | 15260.24 | N/A | Employed |  | No |  | Yes | Present |
| 858682 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9090 | 7.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16843.16 | N/A | Employed |  | No |  | No |  |
| 859834 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8101 | 7.764 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 67430.82 | N/A | Employed |  | No |  | No |  |
| 858768 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 12230 | 7.327 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24849.94 | Yes | Employed |  | No |  | No |  |
| 858800 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 31636.4 | 6.627 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16326.09 | Yes | Employed |  | No |  | No |  |
| 860259 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 9935 | 7.783 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20827.48 | Yes | Employed |  | No |  | No |  |
| 858167 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 9670 | 6.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15231.81 | Yes | Employed |  | No |  | No |  |
| 859630 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5043.95 | 7.498 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6332.03 | Yes | Employed |  | No |  | No |  |
| 855580 |  | 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 | 18715.63 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 858896 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 21820 | 7.282 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20275.19 | Yes | Employed |  | No |  | No |  |
| 859108 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2680 | 7.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 102125.15 | Yes | Employed |  | No |  | No |  |
| 859663 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7682.5 | 7.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5253.26 | N/A | Not Employed |  | No |  | No |  |
| 859618 |  | 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 | 20606.89 | N/A | Employed |  | No |  | Yes | Present |
| 858707 |  | 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 | 8442.82 | N/A | Employed |  | No |  | Yes | Present |
| 860070 |  | 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 | 3907.7 | N/A | Employed |  | No |  | Yes | Present |
| 859310 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | No | No | No | No | No | No | No | No | No | 3245 | 8.012 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21547.44 | N/A | Employed |  | No |  | No |  |
| 855814 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 9700.4 | 7.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16916.95 | N/A | Employed |  | No |  | No |  |
| 856818 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1711 | 8.655 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6298.13 | N/A | Employed |  | No |  | No |  |
| 860124 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 24440 | 7.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16406.96 | Yes | Employed | Retired | No | No | No |  |
| 859748 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 5875.63 | 7.693 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24662.04 | N/A | Employed |  | No |  | No |  |
| 860718 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 8555 | 8.227 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3675.51 | N/A | Employed |  | No |  | No |  |
| 859924 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3527 | 6.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13512.34 | Yes | Employed |  | No |  | No |  |
| 858585 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1195 | 6.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4477.81 | Yes | Employed |  | No |  | No |  |
| 860001 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8335.2 | 7.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7175.1 | N/A | Employed |  | No |  | No |  |
| 859935 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 13620 | 7.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13707.39 | N/A | Employed |  | No |  | No |  |
| 860126 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 42852.5 | 7.205 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 50755.72 | N/A | Employed |  | No |  | No |  |
| 857517 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4247.54 | 6.849 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 189121.27 | N/A | Employed | Not Employed | No | No | No |  |
| 858705 |  | 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 | 107975.66 | N/A | Employed |  | No |  | Yes | Present |
| 859082 |  | 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 | 32628.09 | N/A | Employed | Employed | No | No | Yes | Present |
| 859233 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18431.17 | N/A | Employed |  | No |  | Yes | Present |
| 859055 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7214 | 8.465 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 45598.19 | N/A | Employed |  | No |  | No |  |
| 858341 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6430 | 7.129 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4193.34 | N/A | Employed | Not Employed | No | No | No |  |
| 850197 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5841 | 7.3 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12546.68 | N/A | Not Employed | Employed | No | No | No |  |
| 857343 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 17170 | 7.738 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17127.2 | Yes | Employed | Employed | No | No | No |  |
| 858640 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 7.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 763431.14 | Yes | Employed |  | No |  | No |  |
| 858939 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4315 | 6.979 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26216.46 | Yes | Employed | Unknown | No | No | No |  |
| 860300 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2570 | 6.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8182.79 | N/A | Employed |  | No |  | No |  |
| 860443 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 17325 | 7.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16265.48 | N/A | Employed |  | No |  | No |  |
| 859996 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 4578 | 7.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14104.37 | N/A | Employed | Not Employed | No | No | No |  |
| 859313 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7582.5 | 9.086 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 30337.63 | Yes | Employed |  | No |  | No |  |
| 859321 |  | 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 | 2887.35 | N/A | Employed |  | No |  | Yes | Present |
| 860149 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2090 | 6.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10440.35 | N/A | Not Employed | Not Employed | No | No | No |  |
| 860278 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 12570 | 7.575 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8174.88 | N/A | Employed |  | No |  | No |  |
| 858019 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 7.564 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 16048.65 | N/A | Employed |  | No |  | No |  |
| 858694 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 6164 | 7.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2951.57 | N/A | Employed | Retired | No | No | No |  |
| 858838 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 16595 | 7.71 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 8757.78 | N/A | Employed | Not Employed | No | No | No |  |
| 857319 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10003.44 | 6.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3955.48 | Yes | Employed |  | No |  | No |  |
| 859998 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4007 | 7.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8956.41 | N/A | Employed |  | No |  | No |  |
| 858683 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 7398.53 | 9.493 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5025.64 | N/A | Employed | Employed | No | No | No |  |
| 858740 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 21785.56 | 7.464 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43348.84 | Yes | Employed |  | No |  | No |  |
| 859614 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 4140 | 7.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4945.68 | Yes | Employed |  | No |  | No |  |
| 860041 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7950.88 | 7.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13587.45 | N/A | Employed |  | No |  | No |  |
| 859806 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8996.5 | 7.176 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10629.11 | Yes | Employed |  | No |  | No |  |
| 859820 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7940 | 9.924 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17219.91 | Yes | Employed |  | No |  | No |  |
| 860420 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4609.12 | 6.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2479.16 | Yes | Unknown |  | No |  | No |  |
| 860877 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1990 | 6.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17282.34 | Yes | Employed |  | No |  | No |  |
| 859629 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 4401.2 | 9.811 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | N/A | N/A | Yes | 48968.29 | N/A | Employed |  | No |  | No |  |
| 860062 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 6530 | 7.857 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3919.44 | Yes | Employed |  | No |  | No |  |
| 860826 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2519.64 | 9.632 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5306.89 | N/A | Employed | Employed | No | No | No |  |
| 859833 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 23332.38 | 8.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16096.19 | Yes | Employed |  | No |  | No |  |
| 860125 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7430 | 7.752 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16140.68 | Yes | Employed |  | No |  | No |  |
| 860721 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9800.03 | 8.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8679.53 | Yes | Employed |  | No |  | No |  |
| 858045 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7200 | 8.886 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 101494.8 | N/A | Employed |  | No |  | No |  |
| 860299 |  | 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 | 12957.95 | N/A | Employed |  | No |  | Yes | Present |
| 858497 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3837.81 | 7.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4140.82 | Yes | Employed |  | No |  | No |  |
| 858398 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 46875 | 7.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 1583075.67 | N/A | Employed |  | No |  | No |  |
| 858622 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2885 | 7.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3499.43 | Yes | Employed |  | No |  | No |  |
| 860003 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4210 | 6.86 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22688.08 | N/A | Employed | Not Employed | No | No | No |  |
| 859737 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 63795 | 7.148 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 128453.97 | N/A | Employed |  | No |  | No |  |
| 859034 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10274.68 | 7.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5761.65 | N/A | Employed | Not Employed | No | No | No |  |
| 859035 |  | 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 | 14270 | N/A | Employed | Employed | No | No | Yes | Present |
| 859978 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 3280 | 7.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3963.2 | Yes | Employed |  | No |  | No |  |
| 858070 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1796 | 7.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17275.09 | N/A | Employed |  | No |  | No |  |
| 859251 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4545 | 9.783 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6085.24 | N/A | Employed | Not Employed | No | No | No |  |
| 859776 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 22390 | 7.561 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 136926.95 | Yes | Employed |  | No |  | No |  |
| 860075 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 4176.68 | 8.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28085.68 | N/A | Employed | Employed | No | No | No |  |
| 859855 |  | 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 | 30250 | N/A | Employed | Unknown | No | No | Yes | Present |
| 860573 |  | 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 | 22570.58 | N/A | Employed | Employed | No | No | Yes | Present |
| 861269 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 40540 | 7.871 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 31072.15 | Yes | Employed |  | No |  | No |  |
| 860898 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 5416 | 8.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11209.6 | N/A | Employed | Not Employed | No | No | No |  |
| 859660 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2787.1 | 9.1 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 253016.47 | N/A | Employed |  | No |  | No |  |
| 860460 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 21850 | 6.993 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29043.93 | Yes | Employed |  | No |  | No |  |
| 861162 |  | 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 | 15952.29 | N/A | Employed |  | No |  | Yes | Present |
| 860719 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 25564.5 | 6.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 76553.59 | N/A | Employed |  | No |  | No |  |
| 861159 |  | 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 | 27240.15 | N/A | Employed |  | No |  | Yes | Present |
| 860716 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 13890 | 9.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29797.28 | N/A | Employed |  | No |  | No |  |
| 861143 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 11029 | 9.201 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10890.36 | N/A | Employed |  | No |  | No |  |
| 861142 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 8565 | 7.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3464.57 | Yes | Employed |  | No |  | No |  |
| 861150 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 62240 | 6.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 61147.35 | N/A | Employed |  | No |  | No |  |
| 858852 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | Yes | No | No | No | Yes | 23790 | 8.431 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 29492.23 | N/A | Employed | Employed | No | No | No |  |
| 860257 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9995 | 7.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 6344.65 | N/A | Not Employed | Employed | No | No | No |  |
| 860457 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 14870 | 6.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15596.22 | Yes | Employed |  | No |  | No |  |
| 860036 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4800 | 6.991 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14541.41 | N/A | Employed |  | No |  | No |  |
| 860444 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8255 | 7.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11919.55 | Yes | Employed |  | No |  | No |  |
| 858636 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 12815 | 6.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42917.55 | Yes | Employed |  | No |  | No |  |
| 859058 |  | 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 | 22894.28 | N/A | Employed |  | No |  | Yes | Present |
| 859716 |  | 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 | 14530.04 | N/A | Employed |  | No |  | Yes | Present |
| 860881 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 17549.72 | 6.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 38707.32 | N/A | Employed |  | No |  | No |  |
| 857876 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 19692 | 7.284 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9882.41 | Yes | Employed |  | No |  | No |  |
| 859287 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 15925 | 8.986 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 158010.05 | Yes | Employed |  | No |  | No |  |
| 859761 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1990 | 6.926 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 5520.75 | N/A | Employed |  | No |  | No |  |
| 859783 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1720 | 6.734 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4354.06 | Yes | Not Employed | Not Employed | No | No | No |  |
| 860158 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 7.392 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 57589.17 | Yes | Employed |  | No |  | No |  |
| 857320 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5585 | 9.453 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 83672.06 | Yes | Employed |  | No |  | No |  |
| 858789 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8430 | 7.912 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9087.82 | N/A | Employed |  | No |  | No |  |
| 858837 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 8570.44 | 8.617 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6149.86 | N/A | Employed |  | No |  | No |  |
| 859245 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8867.56 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27996.78 | Yes | Employed |  | No |  | No |  |
| 860283 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6290 | 6.987 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4730.59 | Yes | Employed | Retired | No | No | No |  |
| 860878 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 28445 | 7.179 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12122.98 | N/A | Employed |  | No |  | No |  |
| 860311 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 24.95 | 7.43 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9905.84 | N/A | Retired | Employed | No | No | No |  |
| 860506 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4657 | 6.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4070.76 | N/A | Employed |  | No |  | No |  |
| 858862 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4845 | 7.558 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 48422.12 | N/A | Employed |  | No |  | No |  |
| 859664 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8311.32 | 7.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24348.82 | Yes | Employed | Employed | No | No | No |  |
| 859811 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1745 | 8.61 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3784.23 | Yes | Retired |  | No |  | No |  |
| 861293 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5865 | 8.233 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9203.48 | Yes | Employed |  | No |  | No |  |
| 860717 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7790 | 7.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5500.21 | Yes | Employed |  | No |  | No |  |
| 861149 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 11731.25 | 8.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11102.55 | N/A | Employed | Not Employed | No | No | No |  |
| 861158 |  | 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 | 20923.48 | N/A | Employed |  | No |  | Yes | Present |
| 861145 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 11920 | 7.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4783.01 | Yes | Employed |  | No |  | No |  |
| 860943 |  | 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 | 5119.2 | N/A | Employed |  | No |  | Yes | Present |
| 860045 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 26411.25 | 6.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20298.52 | N/A | Retired | Employed | No | No | No |  |
| 859836 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8895 | 7.429 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6729.34 | N/A | Employed | Not Employed | No | No | No |  |
| 859982 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 8495 | 7.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11710.35 | N/A | Employed |  | No |  | No |  |
| 860762 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 11429.38 | 7.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10409.05 | Yes | Employed | Not Employed | No | No | No |  |
| 861117 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5850 | 7.18 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11834.88 | Yes | Employed |  | No |  | No |  |
| 860605 |  | 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 | 15685.75 | N/A | Employed |  | No |  | Yes | Present |
| 850332 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3145 | 7.143 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19318.74 | N/A | Employed |  | No |  | No |  |
| 859053 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 8000 | 8.232 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 38819.23 | N/A | Employed |  | No |  | No |  |
| 859070 |  | 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 | 5457.07 | N/A | Employed |  | No |  | Yes | Present |
| 860272 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4000 | 9.514 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15236.81 | Yes | Employed |  | No |  | No |  |
| 859296 |  | 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 | 4866.53 | N/A | Employed |  | No |  | Yes | Present |
| 861291 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8393 | 7.531 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9823.01 | N/A | Employed |  | No |  | No |  |
| 858666 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1890 | 7.303 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5027.41 | Yes | Employed |  | No |  | No |  |
| 859745 |  | 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 | 7524.57 | N/A | Employed |  | No |  | Yes | Present |
| 860326 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6295 | 9.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7467.7 | N/A | Employed |  | No |  | No |  |
| 861147 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 12573.24 | 9.075 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5342.86 | Yes | Employed | Employed | No | No | No |  |
| 861144 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 21040 | 7.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7190.15 | Yes | Employed |  | No |  | No |  |
| 859971 |  | 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 | 43787.99 | N/A | Employed |  | No |  | Yes | Present |
| 857767 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1995 | 8.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 6390.35 | N/A | Employed | Employed | No | No | No |  |
| 861277 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5596.55 | N/A | Employed |  | No |  | Yes | Present |
| 859867 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1740 | 6.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19606.71 | N/A | Not Employed | Not Employed | No | No | No |  |
| 861168 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19624.88 | Yes | Employed |  | No |  | No |  |
| 860385 |  | 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 | 8484.14 | N/A | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**Canopy VALUATION 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** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 848322 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850147 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.78 | 58.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855384 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849913 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.76 | 55.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851100 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-24-2025 |
| 856333 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853950 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-23-2025 Eligible | 1 | 10-23-2025 |
| 852235 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-20-2025 |
| 851992 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.04 | 52.04 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851474 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 852595 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852679 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-03-2025 |
| 853332 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851452 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-29-2025 |
| 851685 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.02 | 54.02 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-28-2025 |
| 853139 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851866 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0617 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0617 | 10-21-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851495 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.03 | 68.03 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-29-2025 |
| 853110 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 852479 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.47 | 69.47 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 856323 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 852102 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.0 | 68.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-13-2025 |
| 853506 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.62 | 47.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 852470 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 851933 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.99 | 52.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-30-2025 Eligible |  |  |
| 851802 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.1 | 32.1 | xxxxxx | xxxxxx | .0300 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0300 | xxxxxx | Low Risk | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-18-2025 |
| 854332 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 850590 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 850442 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-12-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-13-2025 Eligible | 1 | 10-13-2025 |
| 852197 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.87 | 68.87 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-19-2025 |
| 856337 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853923 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-06-2025 |
| 852806 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 853677 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.7 | 61.7 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853101 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 856335 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.7 | 69.7 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 |
| 852956 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-18-2025 |
| 852828 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 855374 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.64 | 58.64 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853305 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-25-2025 |
| 856319 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.26 | 79.74 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 853782 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.37 | 49.37 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 846144 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-02-2025 |
| 852887 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.75 | 56.75 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-06-2025 |
| 853313 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 853521 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 852905 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-03-2025 Eligible | 1 | 11-03-2025 |
| 854741 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.99 | 64.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 854666 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.75 | 74.75 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853992 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-24-2025 |
| 852288 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853772 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 851904 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854768 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854752 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.99 | 69.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-25-2025 |
| 854605 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.99 | 69.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-21-2025 |
| 854363 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.82 | 58.82 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 852695 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 849633 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.54 | 37.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 852691 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-19-2025 |
| 854342 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854668 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 |
| 853918 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853982 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 Eligible | 1 | 12-01-2025 |
| 854187 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854270 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 855072 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-23-2025 |
| 852228 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.42 | 57.42 | xxxxxx | xxxxxx | -.0333 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0333 | xxxxxx | Moderate Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852895 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.95 | 52.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-21-2025 |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-13-2025 Eligible | 1 | 11-13-2025 |
| 854016 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 854589 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 853694 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.67 | 65.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 |
| 854181 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 854021 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.0 | 54.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855031 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-24-2025 Eligible | 1 | 11-24-2025 |
| 850823 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 852447 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-04-2025 |
| 855429 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852552 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 855240 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.99 | 54.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-25-2025 |
| 853903 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 854829 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853467 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856392 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854256 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855183 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855017 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855077 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 852744 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 |
| 856378 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 850685 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-08-2025 |
| 851760 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-05-2025 Eligible | 1.9 | 11-05-2025 |
| 854191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855718 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 855589 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 |
| 855310 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | REASONABLE | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855649 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-05-2025 |
| 850562 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.75 | 62.75 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 853872 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.97 | 35.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-01-2025 |
| 854118 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 853661 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.76 | 61.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858265 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854367 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-07-2025 Eligible |  |  |
| 856350 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-18-2025 Eligible | 1 | 11-18-2025 |
| 852546 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.57 | 33.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853818 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-08-2025 |
| 853352 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.15 | 69.15 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-20-2025 Eligible |  |  |
| 855719 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.88 | 69.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-03-2025 |
| 853784 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-17-2025 Eligible | 2.4 | 11-17-2025 |
| 851840 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.47 | 32.47 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-03-2025 |
| 855117 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857489 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850504 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 854541 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.71 | 48.71 | xxxxxx | xxxxxx | .1175 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1175 | xxxxxx | Low Risk | 11-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-09-2025 |
| 851679 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.22 | 59.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-23-2025 |
| 855803 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-11-2025 |
| 856844 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-19-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.03 | 64.03 | xxxxxx | xxxxxx | -.0278 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0278 | xxxxxx | 12-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856619 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 856903 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-16-2025 |
| 856558 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-28-2025 Eligible |  |  |
| 854141 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-12-2025 |
| 853844 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 853660 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 854792 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 Eligible | 1 | 12-05-2025 |
| 854788 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 855443 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.63 | 74.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-26-2025 |
| 856623 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-26-2025 |
| 856608 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856555 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859746 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.25 | 57.22 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851700 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.57 | 67.57 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-03-2025 |
| 856798 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855597 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 71B | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.59 | 74.59 | xxxxxx | xxxxxx | .0595 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0595 | xxxxxx | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858305 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-21-2025 |
| 858256 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 |
| 849112 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-22-2025 |
| 855148 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855409 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848935 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-23-2025 Eligible | 1.1 | 10-23-2025 |
| 856820 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 Eligible | 1.3 | 12-18-2025 |
| 854090 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-22-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 Eligible |  |  |
| 851738 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854619 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858275 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-19-2025 Eligible | 1 | 12-19-2025 |
| 858284 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0244 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0244 | xxxxxx | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856228 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-24-2025 |
| 851782 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.33 | 73.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-03-2025 Eligible | 1.5 | 12-03-2025 |
| 852821 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.62 | 26.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 854948 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 Eligible |  |  |
| 855569 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-09-2025 |
| 855462 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 853845 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 12-17-2025 |
| 857178 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0% | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857179 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | 12-08-2025 |  |  |  |  |  |  |  |  | 1.9 | 12-19-2025 |
| 857182 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-25-2025 |
| 857183 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0961 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0961 | xxxxxx | 0.0 | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854783 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854119 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855126 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-08-2025 |
| 857388 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 857389 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 857390 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 857392 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 856230 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-12-2025 |
| 855465 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 71B | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0684 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0684 | xxxxxx | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851061 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.25 | 68.25 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-10-2025 Eligible |  |  |
| 854647 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 855468 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-12-2025 Eligible |  |  |
| 856761 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.38 | 69.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-12-2025 Eligible | 1 | 12-12-2025 |
| 855078 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.06 | 34.06 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856405 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 Eligible | 1.5 | 12-03-2025 |
| 855020 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-10-2025 Eligible | 1 | 12-10-2025 |
| 857886 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.64 | 70.64 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854828 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854330 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.96 | 69.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854965 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.88 | 51.88 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 Eligible | 2.2 | 11-26-2025 |
| 855268 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 Eligible | 1 | 12-10-2025 |
| 856538 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.09 | 66.09 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855241 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 855592 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 |
| 849052 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.27 | 68.27 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 Eligible | 1 | 10-29-2025 |
| 852139 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-22-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0079 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0079 | xxxxxx | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856774 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.31 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-17-2025 |
| 854100 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.37 | 55.37 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-03-2025 |
| 855065 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-30-2025 |
| 860723 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0728 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0728 | xxxxxx | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857395 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0791 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0791 | xxxxxx | 0.0 | 01-02-2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855305 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-26-2025 Eligible | 1 | 12-26-2025 |
| 855415 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.45 | 64.45 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-21-2025 Eligible |  |  |
| 854929 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.76 | 25.76 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 Eligible | 1.2 | 12-08-2025 |
| 856549 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 Eligible | 1 | 12-09-2025 |
| 856613 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 |
| 855601 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855633 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.0 | 72.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-22-2025 |
| 857758 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-08-2026 Eligible |  |  |
| 857175 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848519 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 |
| 857883 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-29-2025 |
| 854624 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.09 | 72.09 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-09-2025 Eligible | 1 | 12-09-2025 |
| 858373 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.83 | 64.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-24-2025 |
| 853843 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.5 | 56.47 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 Eligible | 1.5 | 12-16-2025 |
| 853865 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857922 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 |
| 856621 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-15-2025 Eligible |  |  |
| 857557 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 Eligible | 2.3 | 10-10-2025 |
| 853458 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 Eligible | 1.1 | 12-19-2025 |
| 856574 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 01-14-2026 |
| 857411 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855223 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853960 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-11-2025 Eligible | 1 | 11-18-2025 |
| 854490 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.73 | 69.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 Eligible | 1 | 12-15-2025 |
| 856403 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-22-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 Eligible |  |  |
| 857284 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-09-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857456 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.98 | 59.98 | xxxxxx | xxxxxx | .0204 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0204 | 12-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857318 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 857341 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.47 | 51.47 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-19-2025 |
| 856742 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 855841 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854449 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-30-2025 |
| 857874 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.57 | 67.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-30-2025 |
| 849043 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856943 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.86 | 79.66 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 853491 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.9 | 69.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx |  | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856905 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.35 | 73.35 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 858174 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-17-2025 Eligible | 2.1 | 12-17-2025 |
| 857532 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858222 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854616 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.29 | 79.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 857540 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-05-2025 |
| 856767 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.29 | 74.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-30-2025 Eligible | 1 | 12-30-2025 |
| 858395 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 01-05-2026 |
| 858383 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.99 | 69.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 857870 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 Eligible | 1 | 12-30-2025 |
| 856589 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 |
| 858227 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.56 | 64.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-10-2026 |
| 858228 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.76 | 67.76 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-15-2026 |
| 858229 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.36 | 69.36 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-06-2026 |
| 858230 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0331 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0331 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-06-2026 |
| 858231 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.19 | 69.19 | xxxxxx | xxxxxx | -.0491 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0491 | xxxxxx | Adequate | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858232 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 858233 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.52 | 68.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 858234 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 858235 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 858236 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.08 | 66.08 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 860121 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-13-2026 Eligible | 1 | 01-13-2026 |
| 858396 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-12-2026 |
| 849330 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-09-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0435 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0435 | xxxxxx | 12-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854347 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.22 | 65.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-12-2026 |
| 856725 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 Eligible | 1 | 01-13-2026 |
| 857015 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 Eligible | 1.5 | 12-31-2025 |
| 857308 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-15-2026 Eligible | 1 | 01-15-2026 |
| 858151 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 Eligible | 1.4 | 01-21-2026 |
| 858040 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854740 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.32 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 857583 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 |
| 855785 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 859756 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-06-2026 Eligible | 1.3 | 01-06-2026 |
| 859752 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 854931 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.65 | 58.65 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-23-2025 Eligible |  |  |
| 857568 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857742 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857519 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.86 | 70.86 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 Eligible |  |  |
| 857521 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0005 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0005 | xxxxxx | Moderate Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856235 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.0 | 59.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 Eligible | 1 | 12-30-2025 |
| 857710 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx |  | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851925 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855570 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-13-2026 |
| 855732 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855733 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.89 | 57.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-22-2025 |
| 857274 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856709 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 84.23 | 84.23 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-31-2025 |
| 854530 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0517 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0517 | xxxxxx | Moderate Risk | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855317 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 30.0 | 46.28 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858092 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 Eligible | 1 | 01-26-2026 |
| 857300 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 7.38 | 57.68 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-05-2026 Eligible | 2.5 | 01-05-2026 |
| 857337 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.14 | 36.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 857166 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.56 | 58.56 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-22-2025 |
| 857301 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0253 | 12-23-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857592 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.73 | 53.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857728 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-12-2025 |
| 858885 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 12-22-2025 |
| 859238 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 Eligible | 1 | 11-17-2025 |
| 858614 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-19-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853813 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.92 | 47.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856141 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856814 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.3 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858002 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12.68 | 48.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-20-2026 |
| 858024 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 858111 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.12 | 44.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-14-2026 |
| 858131 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.81 | 69.81 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 858882 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-05-2026 |
| 857313 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.88 | 58.88 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856710 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-13-2025 Eligible |  |  |
| 857980 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 27.9 | 74.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858162 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 Eligible | 1 | 01-23-2026 |
| 858735 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 |
| 844379 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852675 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.5 | 62.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 854797 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.36 | 59.36 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 |
| 857700 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 Eligible | 1 | 01-21-2026 |
| 858638 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 Eligible | 1 | 01-15-2026 |
| 858704 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.63 | 52.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 01-13-2026 |
| 858350 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857137 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.92 | 76.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-15-2026 |
| 858576 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-20-2026 Eligible |  |  |
| 854130 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.8 | 79.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-19-2025 |
| 855153 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.73 | 60.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 856942 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.5 | 47.5 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-08-2026 Eligible |  |  |
| 857502 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-29-2025 Eligible |  |  |
| 858239 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-14-2026 Eligible | 1 | 01-14-2026 |
| 858780 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-22-2026 Eligible |  |  |
| 859684 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-06-2026 |
| 858501 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.39 | 52.39 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 852549 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 7.89 | 48.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855651 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 857761 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-22-2026 Eligible | 1 | 01-15-2026 |
| 857996 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-05-2026 |
| 858127 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-13-2026 Eligible | 1 | 01-13-2026 |
| 857360 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857688 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 Eligible | 1.3 | 12-22-2025 |
| 853800 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-26-2026 |  |  |  |  |  |  |  |  |  |  | 2 | 11-13-2025 Eligible | 2 | 11-13-2025 |
| 856397 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.54 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858037 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.53 | 35.53 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 Eligible | 1.8 | 01-08-2026 |
| 858832 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.99 | 64.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-26-2026 |
| 858929 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-09-2026 |
| 857889 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2026 Eligible | 1.6 | 01-29-2026 |
| 858088 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 Eligible |  |  |
| 855170 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-05-2025 |
| 858500 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-12-2026 |
| 858645 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.75 | 79.75 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-23-2026 Eligible |  |  |
| 858012 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.0 | 75.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855144 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860720 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-29-2025 Eligible | 1 | 12-29-2025 |
| 859753 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx |  | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 Eligible |  |  |
| 859749 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-28-2026 |  |  |  |  |  |  |  |  |  |  | 2 | 01-22-2026 Eligible | 1 | 01-22-2026 |
| 859750 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-26-2025 Eligible | 2.4 | 12-26-2025 |
| 860118 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-14-2026 |
| 859747 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 |
| 860119 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 Eligible | 1 | 12-02-2025 |
| 846998 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-23-2025 Eligible | 1 | 12-23-2025 |
| 857233 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.71 | 35.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-30-2025 |
| 858059 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 859622 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-17-2025 Eligible | 1.6 | 04-17-2025 |
| 857524 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 858081 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 Eligible | 1 | 01-20-2026 |
| 858008 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.94 | 64.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 856088 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856842 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858850 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.18 | 68.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-17-2025 |
| 856913 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.79 | 55.22 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860048 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856955 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.22 | 32.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856106 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 74.55 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-08-2026 Eligible | 2.4 | 01-08-2026 |
| 857887 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857574 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-26-2025 |
| 859738 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 |
| 848916 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857231 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-20-2026 |
| 857317 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.9 | 63.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-15-2026 Eligible |  |  |
| 857531 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.34 | 56.34 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-18-2025 |
| 858011 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 Eligible | 1.2 | 01-13-2026 |
| 859040 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860050 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.49 | 63.49 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857743 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 854646 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.75 | 69.75 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-15-2025 |
| 860116 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0729 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | xxxxxx | .0729 | 12-22-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858946 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.21 | 69.37 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857588 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.99 | 71.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 Eligible | 1 | 01-15-2026 |
| 857989 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 |
| 858571 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.74 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 Eligible | 1.4 | 01-23-2026 |
| 858819 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8.85 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-02-2026 Eligible | 1.3 | 01-02-2026 |
| 856953 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 9.0 | 79.77 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-22-2026 |
| 858142 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.97 | 72.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 Eligible | 1 | 01-13-2026 |
| 858831 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859037 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-07-2026 Eligible | 1 | 01-07-2026 |
| 860722 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.57 | 72.45 | xxxxxx | xxxxxx | .0145 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0145 | 12-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-31-2025 |
| 859751 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.0 | 69.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860117 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 06-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860122 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 Eligible | 1.5 | 01-27-2026 |
| 852785 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.71 | 62.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-01-2025 |
| 857295 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858152 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 |
| 858172 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 858857 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.35 | 19.35 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-20-2026 |
| 857864 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-23-2026 Eligible | 2.1 | 01-23-2026 |
| 858139 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 Eligible | 1 | 01-26-2026 |
| 848246 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856413 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.14 | 44.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 12-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855413 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-18-2025 |
| 859086 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 Eligible | 1 | 01-21-2026 |
| 851813 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 852556 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 856658 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.36 | 78.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-23-2025 Eligible | 1 | 12-23-2025 |
| 860093 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 |
| 858682 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 859834 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 858768 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.2 | 21.2 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-27-2026 Eligible |  |  |
| 858800 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 860259 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.59 | 78.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-26-2025 Eligible |  |  |
| 858167 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 859630 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-17-2026 |
| 855580 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.86 | 65.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858896 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.71 | 45.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-20-2026 |
| 859108 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859663 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.11 | 52.11 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 859618 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 858707 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-15-2026 Eligible | 1 | 01-15-2026 |
| 860070 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859310 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-26-2026 Eligible |  |  |
| 855814 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.28 | 60.28 | xxxxxx | xxxxxx | .0225 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0225 | 01-29-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-03-2026 Eligible |  |  |
| 856818 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.72 | 68.27 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 |
| 860124 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.67 | 61.67 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-05-2026 Eligible |  |  |
| 859748 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 81.3 | 81.3 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-14-2026 |
| 860718 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-23-2026 Eligible | 1 | 01-23-2026 |
| 859924 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.58 | 26.58 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 |
| 858585 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-31-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860001 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-28-2026 |
| 859935 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860126 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0067 | 01-23-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 857517 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-14-2026 Eligible |  |  |
| 858705 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859082 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 83.37 | 83.37 | xxxxxx | xxxxxx | -.0333 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0333 | xxxxxx | Moderate Risk | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859233 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-08-2026 |
| 859055 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 858341 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.97 | 42.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 850197 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.75 | 74.75 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 |
| 857343 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-21-2026 |
| 858640 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-21-2026 Eligible | 2.2 | 01-21-2026 |
| 858939 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.12 | 60.12 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-20-2026 Eligible | 1 | 01-20-2026 |
| 860300 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-13-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-17-2025 Eligible |  |  |
| 860443 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 Eligible |  |  |
| 859996 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.39 | 48.39 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859313 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-12-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.84 | 72.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859321 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-06-2026 |
| 860149 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.63 | 52.63 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860278 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858019 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.04 | 56.09 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-30-2026 |
| 858694 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.09 | 34.09 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 Eligible | 1 | 01-06-2026 |
| 858838 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 |
| 857319 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.13 | 77.13 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-11-2026 |
| 859998 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858740 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 01-21-2026 |
| 859614 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.67 | 63.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860041 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-29-2026 |
| 859806 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 859820 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.76 | 76.51 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-28-2026 |
| 860420 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-03-2026 Eligible |  |  |
| 860877 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.86 | 63.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-22-2025 Eligible | 1 | 12-22-2025 |
| 859629 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.43 | 84.19 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860062 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 859833 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860125 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.06 | 75.06 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 |
| 860721 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 88.68 | 88.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 858045 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.24 | 51.11 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2026 |
| 860299 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.74 | 37.74 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858398 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.56 | 69.56 | xxxxxx | xxxxxx | .0135 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0135 | 02-05-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858622 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-06-2026 |
| 860003 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-23-2026 Eligible |  |  |
| 859737 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | 0.0 | .0000 | 01-18-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 01-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859034 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.31 | 64.31 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 |
| 859035 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 83.0 | 83.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 Eligible | 1 | 02-04-2026 |
| 859978 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.81 | 79.81 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-05-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 Eligible | 1 | 09-17-2025 |
| 858070 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 |
| 859251 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.62 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2026 |
| 859776 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-20-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860075 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859855 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860573 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861269 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.23 | 69.23 | xxxxxx | xxxxxx | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0769 | xxxxxx | Moderate Risk | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860898 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-29-2026 |
| 859660 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.26 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Excellent | 01-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-29-2026 |
| 860460 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0329 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0329 | xxxxxx |  | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861162 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.82 | 58.82 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-03-2026 |
| 860719 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.61 | 52.61 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-21-2026 Eligible |  |  |
| 861159 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.02 | 51.02 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860716 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-09-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.1 | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861143 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-16-2026 |
| 861142 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.49 | 53.49 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 |
| 861150 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0134 | 02-09-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Not Acceptable | 02-05-2002 |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858852 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.76 | 69.98 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-11-2026 Eligible |  |  |
| 860257 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860457 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-20-2026 Eligible |  |  |
| 860036 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.4 | 60.4 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-03-2026 Eligible |  |  |
| 860444 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-26-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0991 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0991 | xxxxxx | Moderate Risk | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858636 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.93 | 74.93 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859058 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2026 Eligible |  |  |
| 859716 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-20-2026 |
| 860881 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-18-2026 |
| 857876 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 859287 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | xxxxxx | -.0227 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0227 | xxxxxx | Moderate Risk | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859761 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-30-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.52 | 55.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859783 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.46 | 38.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-22-2026 Eligible | 1 | 01-22-2026 |
| 860158 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857320 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.17 | 79.75 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 Eligible |  |  |
| 858789 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.42 | 69.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-30-2026 |
| 858837 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 859245 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.78 | 39.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860283 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.16 | 60.16 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 02-16-2026 |
| 860878 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.3 | 53.3 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 860311 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2026 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8.68 | 31.06 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860506 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.71 | 42.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-13-2026 |
| 858862 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.27 | 71.15 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-02-2026 Eligible |  |  |
| 859664 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 Eligible | 1 | 01-26-2026 |
| 859811 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 24.27 | 68.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-10-2026 |
| 861293 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-29-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.17 | 55.77 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860717 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 Eligible | 1.8 | 01-06-2026 |
| 861149 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861158 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861145 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 860943 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 |
| 860045 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 859836 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.68 | 59.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859982 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.97 | 58.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-24-2026 |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-26-2026 Eligible | 1 | 01-26-2026 |
| 860762 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 Eligible |  |  |
| 861117 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860605 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 850332 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859053 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 |
| 859070 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 Eligible | 1 | 02-09-2026 |
| 859296 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861291 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.39 | 28.82 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-19-2026 |
| 858666 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-15-2026 Eligible |  |  |
| 860326 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.0 | 67.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-16-2026 |
| 861147 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-24-2026 Eligible | 1 | 02-24-2026 |
| 861144 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859971 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.87 | 51.87 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 |
| 857767 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.9 | 50.75 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 861277 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 02-13-2026 |
| 859867 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.16 | 54.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 861168 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 860385 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 856777 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 Eligible | 1.9 | 12-02-2025 |
| 856837 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.61 | 69.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-05-2025 | xxxxxx | 0.0 | .0000 | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |
| 854911 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.93 | 79.93 | xxxxxx | xxxxxx | .0311 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0311 | 96.0 | 0.04 | xxxxxx | Other | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854482 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0638 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0638 | 88.0 | 0.12 | xxxxxx | Other | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852220 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.73 | 64.73 | xxxxxx | xxxxxx | .0550 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0550 | 92.0 | 0.08 | xxxxxx | Other | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-09-2025 |
| 851392 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0805 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0805 | 94.0 | 0.06 | xxxxxx | Other | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 854344 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 27.37 | 27.37 | xxxxxx | xxxxxx | .0456 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0456 | 94.0 | 0.06 | xxxxxx | xxxxxx | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 Eligible |  |  |
| 855159 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.84 | 57.84 | xxxxxx | xxxxxx | -.0746 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0746 | 90.0 | 0.1 | xxxxxx | xxxxxx | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856765 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.3 | 65.51 | xxxxxx | xxxxxx | -.0961 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0961 | 94.0 | 0.06 | xxxxxx | xxxxxx | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 |
| 857923 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0097 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0097 | 96.0 | 0.04 | xxxxxx | xxxxxx | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857345 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0526 | 89.0 | 0.11 | xxxxxx | xxxxxx | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-03-2026 |
| 856094 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0108 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0108 | 95.0 | 0.05 | xxxxxx | xxxxxx | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854660 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.91 | 75.91 | xxxxxx | xxxxxx | -.0740 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0740 | 92.0 | 0.08 | xxxxxx | xxxxxx | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857800 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0156 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0156 | 95.0 | 0.05 | xxxxxx | xxxxxx | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858879 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0969 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0969 | 92.0 | 0.08 | xxxxxx | xxxxxx | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858683 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-19-2026 | AVM | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.77 | 80.0 | xxxxxx | xxxxxx | -.0319 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0319 | 90.0 | 0.1 | xxxxxx | xxxxxx | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858497 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 82.38 | 82.38 | xxxxxx | xxxxxx | -.0293 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0293 | 96.0 | 0.04 | xxxxxx | xxxxxx | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860272 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-28-2026 | AVM | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 24.39 | 80.57 | xxxxxx | xxxxxx | .0024 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0024 | 96.0 | 0.04 | xxxxxx | xxxxxx | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859745 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-09-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.8 | 74.95 | xxxxxx | xxxxxx | -.0703 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0703 | 89.0 | 0.11 | xxxxxx | xxxxxx | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852225 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0105 | 95.0 | 0.05 | xxxxxx | xxxxxx | 01-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-22-2025 Eligible |  |  |
| 860826 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-15-2025 | AVM | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.16 | 80.24 | xxxxxx | xxxxxx | .0319 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0319 | 92.0 | 0.08 | xxxxxx | xxxxxx | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**Canopy Tax and title Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Address** | **City** | **State** | **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** | **Address Variation** | **Applicant Not in Title** | **No Open Mortgage** | **Other Lien Amount Before Subject** | **Federal Tax Lien** | **State Tax Lien** | **Subject Mortgage Found** | **Subject in 1st Position** | **Subject Mortgage Foreclosed** | **Break in Assignment Chain** | **Property in Super Lien State?** | **Subject Mortgage Amount** | **Subject Mortgage Lien Position** | **Modification Amount** | **Modification Date** | **Subject Mortgage Modification Purpose** | **Senior Mortgages Count** | **Total Senior Mortgage Amount** | **Junior Mortgages Count** | **Total Junior Mortgage Amount** | **State Tax Lien Amount Before Subject** | **State Tax Lien Amount After Subject** | **Federal Tax Lien Amount Before Subject** | **Federal Tax Lien Amount After Subject** | **HOA Lien Amount Before Subject** | **HOA Lien Amount After Subject** | **Municipal Lien Amount Before Subject** | **Municipal Lien Amount After Subject** | **Other Lien Amount Before Subject** | **Other Lien Amount After Subject** | **Total Lien Amount Before Subject** | **Total Lien Amount After Subject (includes Delinquent Tax)** | **Total Lien Amount (includes Delinquent Tax)** | **Current Tax Amount** | **Delinquent Tax Amount** | **Total Tax Amount** | **Additional Info** |
| 859622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx FAIL | PASS | PASS | PASS FAIL | PASS | PASS | PASS | PASS | PASS | PASS | PASS NA | Y NA | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | xxxxxx | $0.00 | xxxxxx |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Address** | **City** | **State** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Borrower Vested on Title Policy** | **Lien Amount** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 859622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1/A | 1/A | Credit | Closing | Condition NA | xxxxxx | xxxxxx | xxxxxx NA | xxxxxx | xxxxxx NA | xxxxxx | xxxxxx | Taxes not yet due until xxxxxx |

---

## Exhibit 99.16

**EXHIBIT 99.16**

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

![Logo, company name Description automatically generated](tm2611390d1_ex99-16img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2026-4**

**By Clarifii LLC on April 3, 2026**

Verus 2026-4 Due Diligence Narrative Report – PagE \| 1

![](tm2611390d1_ex99-16img001.jpg)

**CLARIFII CONTACT INFORMATION**

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 509 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2026-4 transaction. The Loans referenced in this narrative report were reviewed between 08/2025 to 03/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;168 | &nbsp;&nbsp;33.01% | &nbsp;&nbsp;$92452566.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;66 | &nbsp;&nbsp;12.97% | &nbsp;&nbsp;$55504501.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;275 | &nbsp;&nbsp;54.03% | &nbsp;&nbsp;$162680159.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**509** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$310637226.00** |

---

The Review consisted of a population of 509 Loans, with an aggregate principal balance of $310,637,226.00.

**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 2026-4 Due Diligence Narrative Report – PagE \| 2

![](tm2611390d1_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;Moody's Investors Service, Inc. | &nbsp;&nbsp;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| &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 Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview |
| &nbsp;&nbsp;Borrower 1 Fax or Mail |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 3

![](tm2611390d1_ex99-16img001.jpg)

---

| |
|:---|
| &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 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Race - American Indian or Alaska Native Desc |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - Asian Indian |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American |
| &nbsp;&nbsp;Borrower 1 Race - Chinese |
| &nbsp;&nbsp;Borrower 1 Race - Filipino |
| &nbsp;&nbsp;Borrower 1 Race - Guamanian or Chamorro |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - Japanese |
| &nbsp;&nbsp;Borrower 1 Race - Korean |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian or Other Pacific Islander |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian |
| &nbsp;&nbsp;Borrower 1 Race - Other Pacific Islander |
| &nbsp;&nbsp;Borrower 1 Race - Samoan |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese |
| &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 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Buyer Name |
| &nbsp;&nbsp;Calculated DSCR |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 4

![](tm2611390d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;Escrow Indicator |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Qualifying Property Value |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Late Charge Grace Period |
| &nbsp;&nbsp;Late Charge Percent |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Liquid Funds Post-Close |
| &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 Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Maximum Prepayment Penalty Amount |
| &nbsp;&nbsp;MERS Originated Mortgage |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &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 Bankruptcy Chapter |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 5

![](tm2611390d1_ex99-16img001.jpg)

---

| |
|:---|
| &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 Tax Indicator |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &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;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 6

![](tm2611390d1_ex99-16img001.jpg)

**CREDIT** **UNDERWRITING**

Clarifii reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria, or other requirements provided by 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 |

---

&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 |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 7

![](tm2611390d1_ex99-16img001.jpg)

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

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

---

| |
|:---|
| Tax returns |
| Financial statements |
| Paystubs |
| IRS Form W-2s |
| IRS Form 1099 |
| IRS documents |
| Bank statements |
| Lease agreements |
| Award letters |
| Other documentation in Loan file |

---

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment <br> - Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

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

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

OFAC

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

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

---

| |
|:---|
| Verification of deposits (VOD) |
| Depository account statements |
| Stock or security account statements |
| Gift funds |
| Settlements statements |
| Other evidence of conveyance and transfer of funds if a sale of assets was involved |
| Other documentation in Loan file |
| Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds |

---

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

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

- Confirmed that the flood certification is for the correct borrower, property, lender, and Loan number and is a "Life of Loan" certification <br> - Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns"

Verus 2026-4 Due Diligence Narrative Report – PagE \| 8

![](tm2611390d1_ex99-16img001.jpg)

---

| |
|:---|
| Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations |
| For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines |
| For properties in a flood zone, per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines |
| Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and taxes are current |
| Verified that the hazard insurance meets the minimum required amount of coverage in |
| the guidelines |

---

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

---

| |
|:---|
| Calculated DSCR, as required by guidelines |
| Confirmed documentation requirements have been met |
| Summed principal and interest or interest payment, along with taxes, insurance and HOA payments to arrive at monthly property expense. This summed amount is used as the denominator to the monthly lease or estimated lease income, as required by guidelines |

---

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

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**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)

---

| | |
|:---|:---|
| · | **Compliance Documentation Requirements** |
|  | Clarifii reviewed the following documents as they related to regulatory compliance: |

---

---

| |
|:---|
| Initial and final application (1003) |
| Note, including all addendums |
| Copy of note for any junior liens (if applicable) |
| Mortgage / Deed of Trust, including all riders |
| Initial, Interim, and Final Loan Estimates (LE) |
| Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z) |
| Notice of Right to Cancel (when applicable) |
| Rate Lock Date |
| HOEPA Disclosures (when applicable) |
| Initial Escrow Account Disclosure |

---

---

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

---

---

| | |
|:---|:---|
| · | **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** |
|  | Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements: |

---

---

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

---

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**Right of Rescission**

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

&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. |

---

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---

| |
|:---|
| Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008). |
| Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current) |
| District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007. |
| Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014). |
| Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53). |
| Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003). |
| Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed) |
| Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004). |
| Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167). |
| City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325. |
| Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007). |
| Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq. |
| Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16. |
| Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq. |
| Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3. |
| Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009). |
| Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq. |
| Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 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. |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

---

| |
|:---|
| Review Note accuracy and properly executed |
| Review Mortgage and applicable riders for accuracy and properly executed |
| Occupancy Letter (must state that borrower(s) will not reside in the property |
| HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final) |
| If property is in a flood zone, Flood Notice must be provided prior to closing |
| Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure |
| Letter of Explanation detailing the use of proceeds. |
| Borrower's statement of purpose for the Loan. |
| State License requirements when applicable |
| State Predatory lending and high cost when applicable |

---

**QUALIFIED MORTGAGE (QM)**

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

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

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

**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.

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*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.

---

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

---

---

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

---

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

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

**Valuation Reconciliation Process:**

&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.

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

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

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**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.

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – <br> No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA<br> or Acceptable<br> 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;6 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;239 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;237 |
| &nbsp;&nbsp;Field Review/2055 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 |

---

*Two loans in the population are multi-property and are 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.

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**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

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**Compliance Event Grade**

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results Moodys** | &nbsp;&nbsp;**Overall Review Results Moodys** | &nbsp;&nbsp;**Overall Review Results Moodys** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;356 | &nbsp;&nbsp;69.94% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;106 | &nbsp;&nbsp;20.83% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;47 | &nbsp;&nbsp;9.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**509** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results Kroll** | &nbsp;&nbsp;**Overall Review Results Kroll** | &nbsp;&nbsp;**Overall Review Results Kroll** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;387 | &nbsp;&nbsp;76.03% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;122 | &nbsp;&nbsp;23.97% |
| &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;**509** | &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 2026-4 Due Diligence Narrative Report – PagE \| 18

![](tm2611390d1_ex99-16img001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary Moodys** | &nbsp;&nbsp;**Final Credit Grade Summary Moodys** | &nbsp;&nbsp;**Final Credit Grade Summary Moodys** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;407 | &nbsp;&nbsp;79.96% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;55 | &nbsp;&nbsp;10.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;47 | &nbsp;&nbsp;9.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**509** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary Kroll** | &nbsp;&nbsp;**Final Credit Grade Summary Kroll** | &nbsp;&nbsp;**Final Credit Grade Summary Kroll** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;450 | &nbsp;&nbsp;88.41% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;59 | &nbsp;&nbsp;11.59% |
| &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;**509** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary Moodys** | &nbsp;&nbsp;**Final Property Grade Summary Moodys** | &nbsp;&nbsp;**Final Property Grade Summary Moodys** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;460 | &nbsp;&nbsp;90.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.39% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;47 | &nbsp;&nbsp;9.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**509** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary Kroll** | &nbsp;&nbsp;**Final Property Grade Summary Kroll** | &nbsp;&nbsp;**Final Property Grade Summary Kroll** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;507 | &nbsp;&nbsp;99.61% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.39% |
| &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;**509** | &nbsp;&nbsp;**100.00%** |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 19

![](tm2611390d1_ex99-16img001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary Moodys** | &nbsp;&nbsp;**Final Compliance Grade Summary Moodys** | &nbsp;&nbsp;**Final Compliance Grade Summary Moodys** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;410 | &nbsp;&nbsp;80.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;52 | &nbsp;&nbsp;10.22% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;47 | &nbsp;&nbsp;9.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**509** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary Kroll** | &nbsp;&nbsp;**Final Compliance Grade Summary Kroll** | &nbsp;&nbsp;**Final Compliance Grade Summary Kroll** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;443 | &nbsp;&nbsp;87.03% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;66 | &nbsp;&nbsp;12.97% |
| &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;**509** | &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;10 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;$14207000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;499 | &nbsp;&nbsp;98.04% | &nbsp;&nbsp;$296430226.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**509** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$310637226.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;314 | &nbsp;&nbsp;61.69% | &nbsp;&nbsp;$220453563.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.36% | &nbsp;&nbsp;$8899998.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;183 | &nbsp;&nbsp;35.95% | &nbsp;&nbsp;$81283665.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**509** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$310637226.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;289 | &nbsp;&nbsp;56.78% | &nbsp;&nbsp;$182588817.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;220 | &nbsp;&nbsp;43.22% | &nbsp;&nbsp;$128048409.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**509** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$310637226.00** |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 20

![](tm2611390d1_ex99-16img001.jpg)

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;462 | &nbsp;&nbsp;90.77% | &nbsp;&nbsp;$297626614.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;47 | &nbsp;&nbsp;9.23% | &nbsp;&nbsp;$13010612.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**509** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$310637226.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;300 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;$98745.00 |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.57% | &nbsp;&nbsp;$1504000.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.59% | &nbsp;&nbsp;$3305000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;494 | &nbsp;&nbsp;97.05% | &nbsp;&nbsp;$304980981.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.39% | &nbsp;&nbsp;$628500.00 |
| &nbsp;&nbsp;120 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;$120000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**509** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$310637226.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &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;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;39 | &nbsp;&nbsp;71 | &nbsp;&nbsp;45.07% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 21

![](tm2611390d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Fax or Mail | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;15 | &nbsp;&nbsp;466 | &nbsp;&nbsp;96.78% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;3 | &nbsp;&nbsp;68 | &nbsp;&nbsp;95.59% |
| &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;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;477 | &nbsp;&nbsp;97.90% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &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 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - American Indian or Alaska Native Desc | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian Indian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Filipino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Guamanian or Chamorro | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Japanese | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &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 - Native Hawaiian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian or Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Samoan | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 22

![](tm2611390d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;203 | &nbsp;&nbsp;99.51% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Buyer Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;8 | &nbsp;&nbsp;38 | &nbsp;&nbsp;78.95% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;22 | &nbsp;&nbsp;96 | &nbsp;&nbsp;77.08% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;29 | &nbsp;&nbsp;96 | &nbsp;&nbsp;69.79% |
| &nbsp;&nbsp;Date Last Rate Was Set | &nbsp;&nbsp;11 | &nbsp;&nbsp;44 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Final Qualifying Property Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;62 | &nbsp;&nbsp;90.32% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;29 | &nbsp;&nbsp;153 | &nbsp;&nbsp;81.05% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;427 | &nbsp;&nbsp;99.77% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;9 | &nbsp;&nbsp;478 | &nbsp;&nbsp;98.12% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;129 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Late Charge Grace Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Late Charge Percent | &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;430 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Liquid Funds Post-Close | &nbsp;&nbsp;31 | &nbsp;&nbsp;63 | &nbsp;&nbsp;50.79% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;17 | &nbsp;&nbsp;472 | &nbsp;&nbsp;96.40% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;479 | &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;31 | &nbsp;&nbsp;56 | &nbsp;&nbsp;44.64% |
| &nbsp;&nbsp;Loan Originator Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;4 | &nbsp;&nbsp;459 | &nbsp;&nbsp;99.13% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;479 | &nbsp;&nbsp;99.16% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;61 | &nbsp;&nbsp;95.08% |
| &nbsp;&nbsp;Maximum Prepayment Penalty Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;16 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;MERS Originated Mortgage | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 23

![](tm2611390d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;49 | &nbsp;&nbsp;97.96% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;363 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;7 | &nbsp;&nbsp;467 | &nbsp;&nbsp;98.50% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;410 | &nbsp;&nbsp;99.51% |
| &nbsp;&nbsp;Origination Bankruptcy Chapter | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;5 | &nbsp;&nbsp;386 | &nbsp;&nbsp;98.70% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;115 | &nbsp;&nbsp;95.65% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;19 | &nbsp;&nbsp;479 | &nbsp;&nbsp;96.03% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;67 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;7 | &nbsp;&nbsp;478 | &nbsp;&nbsp;98.54% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;2 | &nbsp;&nbsp;111 | &nbsp;&nbsp;98.20% |
| &nbsp;&nbsp;Property Tax Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;477 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;89 | &nbsp;&nbsp;361 | &nbsp;&nbsp;75.35% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;478 | &nbsp;&nbsp;99.58% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;349 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;458 | &nbsp;&nbsp;96.51% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;12 | &nbsp;&nbsp;447 | &nbsp;&nbsp;97.32% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;349 | &nbsp;&nbsp;95.99% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;18 | &nbsp;&nbsp;463 | &nbsp;&nbsp;96.11% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;61 | &nbsp;&nbsp;308 | &nbsp;&nbsp;80.19% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;194 | &nbsp;&nbsp;98.97% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;6 | &nbsp;&nbsp;211 | &nbsp;&nbsp;97.16% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;350 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;464 | &nbsp;&nbsp;99.78% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |

---

Verus 2026-4 Due Diligence Narrative Report – PagE \| 24

![](tm2611390d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;22 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;104 | &nbsp;&nbsp;97.12% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

**TAX AND TITLE REVIEW (6 Mortgage Loans)**

As part of the due diligence services, the Client provided Clarifii with identifying data on 6 Loan. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· No potential issues surrounding origination deed vesting.

&nbsp;&nbsp;&nbsp;&nbsp;· No potential issues surrounding delinquent property taxes.

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

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

&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.

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

12. Tax and Title 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.*

Verus 2026-4 Due Diligence Narrative Report – PagE \| 25

![](tm2611390d1_ex99-16img001.jpg)

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

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

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

Verus 2026-4 Due Diligence Narrative Report – PagE \| 26

## Exhibit 99.17

**EXHIBIT 99.17**

**clarifii rating agency grades detail report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 843145 | xxxxxx D B A | Closed | xxxxxx | 2025-08-27 13:00 | 2025-12-16 10:07 | Waived | 2 - Non-Material C B | Credit | Closing | Issues exist on the Note Document | Waived--Client exception granted to allow for xxxxxx signing of mortgage for borrower that per lender was in xxxxxx for closing. Borrower did wet sign note. Waiver applied to non-material finding. - Due Diligence Vendor-12/16/2025 <br> Counter-Wet signed Note provide. Notary finding still needs to be addressed. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Open-ISSUE EXIST ON NOTE DOCUMENT- FOREIGN NATION DIGIITAL SIGNATURE There are Issues Present on the Note that must be addressed. 1. Note provided was signed digitally and is not acceptable-guide silent on this however per xxxxxx does not allow E-signature on note. 2. Notary was notarized in xxxxxx. per xxxxxx guides- pg 16 Documents signed by the borrowers outside of the xxxxxx must be notarized by a xxxxxx Embassy on consular official.<br> - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025 | Waived--Client exception granted to allow for xxxxxx signing of mortgage for borrower that per lender was in xxxxxx for closing. Borrower did wet sign note. Waiver applied to non-material finding. - Due Diligence Vendor-12/16/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.029 ; minimum DSCR 1.00.<br>Months Reserves exceed minimum required - 94.32 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843145 | xxxxxx D B A | Closed | xxxxxx | 2025-08-27 14:06 | 2025-09-25 10:11 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated appraisal stating no negative impact on the property's value and marketability. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Subject Property is part of an HOA. Questionnaire Document notes Board approval require for resale. The appraisal report must note the existence of the resale restrictions and comment on any impact the resale restrictions have on the property's value and marketability (guidelines defer to xxxxxx which requires). Additional findings may apply - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Resolved-Received updated appraisal stating no negative impact on the property's value and marketability. - Due Diligence Vendor-09/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.029 ; minimum DSCR 1.00.<br>Months Reserves exceed minimum required - 94.32 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843145 | xxxxxx D B A | Closed | xxxxxx | 2025-08-27 13:43 | 2025-09-19 17:02 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Quit Claim and Warranty Deed. - Due Diligence Vendor-09/19/2025 <br>Ready for Review-Document Uploaded. - Seller-09/17/2025 <br>Open-Property Title Issue-Property Title Issue Missing evidence of acquisition date to accurately determine ownership date - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025 | Resolved-Received Quit Claim and Warranty Deed. - Due Diligence Vendor-09/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.029 ; minimum DSCR 1.00.<br> Months Reserves exceed minimum required - 94.32 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843145 | xxxxxx D B A | Closed | xxxxxx | 2025-08-27 14:24 | 2025-09-10 16:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review, the file contains sufficient evidence of unexpired passport with photo. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-We are only required to have the photo page of the passport/VISA etc. NO additional page will be provided - please review and see if this can get cleared. - Seller-09/08/2025 <br> Open-Borrower Citizenship Documentation Is Missing copy of borrower's valid and unexpired passport (including photograph) required per guidelines. File includes copy of photograph page only.<br> - Due Diligence Vendor-08/27/2025 | Ready for Review-We are only required to have the photo page of the passport/VISA etc. NO additional page will be provided - please review and see if this can get cleared. - Seller-09/08/2025 | Resolved-Upon further review, the file contains sufficient evidence of unexpired passport with photo. - Due Diligence Vendor-09/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.029 ; minimum DSCR 1.00.<br>Months Reserves exceed minimum required - 94.32 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846238 | xxxxxx D A | Closed | xxxxxx | 2025-12-16 10:36 | 2025-12-22 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the lender's guidelines do not require a rent free letter. - Due Diligence Vendor-12/22/2025 <br>Counter-Commitment for subject provided. Please provided free and clear documentation for the borrowers primary residence - Due Diligence Vendor-12/22/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Please provide proof primary residence is owned free and clear. - Due Diligence Vendor-12/17/2025 |  | Resolved-After further review, the lender's guidelines do not require a rent free letter. - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - Required is 65 Borrower has 50<br>Months Reserves exceed minimum required - Min 3, actual 65.38 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846238 | xxxxxx D A | Closed | xxxxxx | 2025-12-16 10:38 | 2025-12-22 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud report. - Due Diligence Vendor-12/22/2025 <br>Open-Third Party Fraud Report Partially Provided Only Loan Participant Analysis and OFAC Report of DRIVE report provided in file. Please provide the full fraud report. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received Fraud report. - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - Required is 65 Borrower has 50<br>Months Reserves exceed minimum required - Min 3, actual 65.38 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846496 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 10:17 | 2026-01-21 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received complete loan participant analysis. - Due Diligence Vendor-01/21/2026 <br>Counter-Received duplicate background check for borrower. Please address original finding. - Due Diligence Vendor-01/16/2026 <br>Open-Third Party Fraud Report Partially Provided Missing third party fraud report for the Borrower showing all alerts cleared with supporting documentation to clear alerts. (Vested Entity, series not required.) Additional findings may apply. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received complete loan participant analysis. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796<br>LTV is less than guideline maximum - Required is 65 Borrower has 31.12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846496 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 10:26 | 2026-01-21 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received corrected worksheet. - Due Diligence Vendor-01/21/2026 <br> Counter-Received loan agreement. Missing corrected worksheet. Cross Collateral Worksheet allocated amounts are incorrect. Worksheet reflects 120% but guidelines are 125%. Additionally, P7 allocated loan amount off by $0.01; should be xxxxxx. - Due Diligence Vendor-01/16/2026 <br> Open-Approval/Underwriting Summary Partially Provided Asset Summary & Cross Collateral Worksheet received. Cross Collateral Worksheet allocated amounts are incorrect. Worksheet reflects 120% but guidelines are 125%. Additionally, P7 allocated loan amount off by $0.01; should be xxxxxx. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received corrected worksheet. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796<br>LTV is less than guideline maximum - Required is 65 Borrower has 31.12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846496 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 10:09 | 2026-01-16 09:13 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected 1004 appraisals and 1004d. - Due Diligence Vendor-01/16/2026 <br> Open-Appraisal items missing: <br> P1 - (1) provide photo of xxxxxx) (2) confirm if xxxxxx in any way (3) the 1004D is dated PRIOR TO the appraisal<br> P4 - appraiser states subject lies within a PUD with no HOA dues and no PUD Rider was provided<br> Additional findings may apply. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received corrected 1004 appraisals and 1004d. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796<br>LTV is less than guideline maximum - Required is 65 Borrower has 31.12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847741 | xxxxxx C A | Closed | xxxxxx | 2025-11-19 09:20 | 2025-12-04 11:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the loan file contains 12-months of bank statements showing proof of payments. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. an actual VOM is not required - we have 12 months payment history - Please see the attached statement it reflects 12 months payment history. - Seller-11/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- 1) Missing 12 months mortgage history for subject. Please provide VOM and mortgage payments history. provided xxxxxx for only 9/16/25 and 10/25. 2) Documentation to support that payments made to xxxxxx on the bank statements is the same as the current mortgage with xxxxxx. 3) Additional findings may apply. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. an actual VOM is not required - we have 12 months payment history - Please see the attached statement it reflects 12 months payment history. - Seller-11/28/2025 | Resolved-After further review, the loan file contains 12-months of bank statements showing proof of payments. - Due Diligence Vendor-12/04/2025<br>| Long term residence - Borrower lived in primary for 10 years per 1003.<br>Months Reserves exceed minimum required - 12.59 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849067 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 13:00 | 2026-03-20 15:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted for rent free not allowed for DSCR program, waiver applied with compactors <br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more - Due Diligence Vendor-10/31/2025 <br> Counter-Received confirmation of exception for housing history-missing Per the guides, when borrower is a FTHB living with spouse, evidence is required that spouse is the sole owner of the primary residence and that it is free and clear - Due Diligence Vendor-10/23/2025 <br> Open-Per the guides, when borrower is a FTHB living with spouse, evidence is required that spouse is the sole owner of the primary residence and that it is free and clear - Due Diligence Vendor-10/09/2025 |  | Waived-Client exception granted for rent free not allowed for DSCR program, waiver applied with compactors <br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more - Due Diligence Vendor-10/31/2025<br>| LTV is less than guideline maximum - LTV is 41% which is below max of 70%<br>Qualifying FICO score is at least 20 points above minimum for program - min fico 660, current credit 762 | Experienced investor owns and manages 5 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849067 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 12:46 | 2025-11-20 14:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client waiver applied to non material finding with comp factors. Pictures in file show subj is in fact occupied by tenants - Due Diligence Vendor-11/20/2025 <br> Counter-Received a letter of explanation from the borrower stating xxxxxx was there xxxxxx and they were there to allow access to the property. Appraisal photos reflect an xxxxxx and xxxxxx supporting the subject is not vacant. Appraisal needs to be corrected. - Due Diligence Vendor-11/19/2025 <br> Counter-Received confirmation subject is currently vacant and xxxxxx and does not support vacant. - Due Diligence Vendor-10/23/2025 <br> Open-Appraiser to correct occupancy on report. Shows as vacant - Due Diligence Vendor-10/09/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Pictures in file show subj is in fact occupied by tenants - Due Diligence Vendor-11/20/2025<br>| LTV is less than guideline maximum - LTV is 41% which is below max of 70%<br>Qualifying FICO score is at least 20 points above minimum for program - min fico 660, current credit 762 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849067 | xxxxxx D B A | Closed | xxxxxx | 2025-10-08 14:14 | 2025-10-22 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received fully executed/notarized Guaranty agreement. - Due Diligence Vendor-10/22/2025 <br>Counter-Received business purpose affidavit-please provide fully executed guaranty agreement. - Due Diligence Vendor-10/21/2025 <br>Counter-Received guaranty agreement-missing Notary Certificate noted as see attached. - Due Diligence Vendor-10/17/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Per guides ,Entity Articles of Organization is required - Due Diligence Vendor-10/09/2025 |  | Resolved-Received fully executed/notarized Guaranty agreement. - Due Diligence Vendor-10/22/2025<br>| LTV is less than guideline maximum - LTV is 41% which is below max of 70%<br>Qualifying FICO score is at least 20 points above minimum for program - min fico 660, current credit 762 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849067 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 13:56 | 2025-10-22 11:29 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received operating agreement, good standing, EIN and certificate of formation. - Due Diligence Vendor-10/17/2025 <br>Open-The Business Entity Formation Document is incomplete - Due Diligence Vendor-10/09/2025 |  | Resolved-Received operating agreement, good standing, EIN and certificate of formation. - Due Diligence Vendor-10/17/2025<br>| LTV is less than guideline maximum - LTV is 41% which is below max of 70%<br>Qualifying FICO score is at least 20 points above minimum for program - min fico 660, current credit 762 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849067 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 11:19 | 2025-10-09 13:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-10/09/2025 <br>Open-Prepayment penalty not allowed on individuals and LLCs - Due Diligence Vendor-10/09/2025 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-10/09/2025<br>| LTV is less than guideline maximum - LTV is 41% which is below max of 70%<br>Qualifying FICO score is at least 20 points above minimum for program - min fico 660, current credit 762 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849067 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 12:51 | 2025-10-09 13:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client provided exception waiver applied to non material finding with comp factors - Due Diligence Vendor-10/09/2025 <br> Open-Housing History Does Not Meet Guideline Requirements xxxxxx requires borrower to have primary housing payment on DSCR. Borrower resides rent free with spouse. Exception is in file - Due Diligence Vendor-10/09/2025 |  | Waived-Client provided exception waiver applied to non material finding with comp factors - Due Diligence Vendor-10/09/2025<br>| LTV is less than guideline maximum - LTV is 41% which is below max of 70%<br>Qualifying FICO score is at least 20 points above minimum for program - min fico 660, current credit 762 | -Reserves exceed requirement by 10 months or more<br> - Experienced investor owns and manages 5 or more properties for 12 months<br> - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849118 | xxxxxx C A | Closed | xxxxxx | 2025-11-18 14:33 | 2025-11-19 09:52 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-After further review, the structural report is in the loan file. - Due Diligence Vendor-11/19/2025 <br>Open-The file does not contain the required structural engineer report per state law. Condo Structural Reports not in file - Due Diligence Vendor-11/18/2025 |  | Resolved-After further review, the structural report is in the loan file. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - 63.75 mos reserves; 2 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849527 | xxxxxx B A | Closed | xxxxxx | 2026-03-05 15:09 | 2026-03-05 15:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-03/05/2026 <br>Open-Audited Reserves of 3.4 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-03/05/2026 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.86 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 849578 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 19:35 | 2026-01-16 09:16 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, the loan file contained all required business purpose affidavit documentation. - Due Diligence Vendor-01/16/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-01/07/2026 |  | Resolved-Upon further review, the loan file contained all required business purpose affidavit documentation. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 733 Required is 700 Borrower has 733<br>LTV is less than guideline maximum - Max LTV is 70% - actual LTV is 57%. Required is 70 Borrower has 57 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849578 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 19:24 | 2026-01-09 13:16 | 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- to allow the housing history to exceed lates per credit report 60 days late (1) and 30 days late (3) - Due Diligence Vendor-01/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Credit supplement provided for xxxxxx mortgage for subject property reflects 60 day lates as of 9.2025 and 30 days late for 12/2024, 6/2025, 10/2025. This exceeds our housing history Mortgage Verification guides 2.6.5.1. - Due Diligence Vendor-01/07/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors- to allow the housing history to exceed lates per credit report 60 days late (1) and 30 days late (3) - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 733 Required is 700 Borrower has 733<br>LTV is less than guideline maximum - Max LTV is 70% - actual LTV is 57%. Required is 70 Borrower has 57 | _ Credit score 30+ points > minimum requirements.<br> - Current primary home ownership > 5 years. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849578 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 19:44 | 2026-01-08 10:58 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received approval. - Due Diligence Vendor-01/08/2026 <br>Open-Approval/Underwriting Summary Partially Provided Missing the final 1008 that matches the loan amount on the Note. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received approval. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 733 Required is 700 Borrower has 733<br>LTV is less than guideline maximum - Max LTV is 70% - actual LTV is 57%. Required is 70 Borrower has 57 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849976 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-06 12:00 | 2026-03-23 09:22 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.579% is within allowable threshold of APOR of 6.14% + 1.75% or 7.89%. Applied to non Material. - Due Diligence Vendor-03/23/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime- APR on subject loan of 7.579% is within allowable threshold of APOR of 6.14% + 1.75% or 7.89%. <br>- Due Diligence Vendor-03/06/2026 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.579% is within allowable threshold of APOR of 6.14% + 1.75% or 7.89%. Applied to non Material. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 785<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 24.3 |  | 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 |
| 849976 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-06 15:26 | 2026-03-13 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Alerts Summary with cleared High Alerts. - Due Diligence Vendor-03/13/2026 <br>Counter-Received Fraud Report. Please provide clearance of High Alerts. - Due Diligence Vendor-03/11/2026 <br>Open-Missing Third Party Fraud Report Third Party Fraud Report Missing - Due Diligence Vendor-03/06/2026 |  | Resolved-Received Alerts Summary with cleared High Alerts. - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 785<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 24.3 |  | 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 |
| 849976 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-06 11:24 | 2026-03-13 08:24 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-03/13/2026 <br> Counter-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 $310.00.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-03/13/2026 <br> Counter-Received COC for Rate lock extension. Received COC for additional Appraisal Service required, need further explanation as why they were needed. New finding is -- Zero (0%) tolerance fees increased by $310.00 (Appraisal, Closing Trip Fee) without a valid COC in file. Final CD provided a $305.00 Credit for increases 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 $5.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,150.00.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 $1150 (Points, Appraisal, Closing Trip Fee) without a valid COC in file. Final CD provided a $305 Credit for increases 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 $845, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/06/2026 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-03/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 785<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 24.3 |  | 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 |
| 849976 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-06 11:24 | 2026-03-13 08:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC for additional recording fees. Finding Resolved. - Due Diligence Vendor-03/13/2026 <br> Counter-----COC's provided did not include the increase in recording fees. Finding Remains. - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($770.00) exceed the comparable charges ($650.00) 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 $120 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 $120, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received COC for additional recording fees. Finding Resolved. - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 785<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 24.3 |  | 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 |
| 849976 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-06 15:20 | 2026-03-11 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/11/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/06/2026 |  | Resolved-Received UDM - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 785<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 24.3 |  | 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 |
| 850191 | xxxxxx C B A | Closed | xxxxxx | 2025-11-10 19:33 | 2025-11-25 15:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/25/2025 <br> Open-Per guides, short-term rentals are properties which are leased on a nightly, weekly, monthly, or seasonal basis and require a 20% expense factor. Additionally, the guides identify the following requirements pertaining to short term rentals:<br> •Monthly gross rents based upon a 12-month average to account for seasonality required. <br> •Gross rents reduced by 20% to reflect extraordinary costs (i.e., advertising, furnishings, cleaning) associated with operating short-term rental property compared to non-short term property. <br> •When short-term rental income is documented using multiple sources, the lowest source of monthly income is to be utilized for calculating DSCR. <br> It should be noted that a short-term rental (STR) analysis form or 1007/1025 was not provided. The calculation worksheet provided both xxxxxx income for 5 months of the year, averaging $3,183.44 per month, plus leases for $2,600 per month, and indicated the lower monthly rent from leases was used to calculate the DSCR. However, a 20% expense factor was not applied to the xxxxxx income, and neither income was documented over a full 12-month period. Therefore, audit calculated the qualifying monthly rental income using a 20% expense factor for the xxxxxx income of $14,821.31, resulting in a net amount of $11,857.05, plus 100% of the multi-length monthly rent of $15,600 for traveling nurses (6 months x$2,600 per month) for a total of $27,457.05, or $2,288.09 per month. - Due Diligence Vendor-11/11/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/25/2025<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x49 months mortgage history, guides allow up to 1x30x12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 700 | Credit Score 30+ points > minimum required<br> Reserves exceed requirement 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 |
| 850191 | xxxxxx C B A | Closed | xxxxxx | 2025-11-10 20:35 | 2025-11-24 10:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client provided a waiver for DSCR of 0.966 <1.00 required, applied to non material finding with comp factors - Due Diligence Vendor-11/24/2025 <br>Open-The Calculated DSCR of '0.966' is less than the minimum DSCR per lender guidelines of '1'. Minimum DSCR required for 75% LTV on a R/T Refi is 1.0. The recalculated DSCR of 0.966 does not meet minimum required. - Due Diligence Vendor-11/11/2025 |  | Waived-Client provided a waiver for DSCR of 0.966 <1.00 required, applied to non material finding with comp factors - Due Diligence Vendor-11/24/2025<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x49 months mortgage history, guides allow up to 1x30x12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 700 | Credit Score 30+ points > minimum required<br> Reserves exceed requirement 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 |
| 850191 | xxxxxx C B A | Closed | xxxxxx | 2025-11-10 20:25 | 2025-11-19 17:06 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-operating agreement provided. - Due Diligence Vendor-11/19/2025 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Missing LLC documentation to verify borrower has ownership of the business entity checking account. Additional conditions may apply. - Due Diligence Vendor-11/11/2025 |  | Resolved-operating agreement provided. - Due Diligence Vendor-11/19/2025<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x49 months mortgage history, guides allow up to 1x30x12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850191 | xxxxxx C B A | Closed | xxxxxx | 2025-11-10 20:55 | 2025-11-19 14:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Operating agreement dated xxxxxx for xxxxxx provided confirming xxxxxx is 100% owner. The borrower is 100% owner of xxxxxx. Therefore the borrower has had ownership in the subject since xxxxxx. - Due Diligence Vendor-11/19/2025 <br> Counter-Received Op Agreement for xxxxxx-layered entity. Chain of title reflects acquisition date by xxxxxx on xxxxxx-after application date. Finding remains. - Due Diligence Vendor-11/18/2025 <br> Open-Property Title Issue Per guides, at least one borrower must have ownership interest (vested on title) in the subject property at the time of the initial application for a rate/term refinance. Based on the Warranty Deed executed on xxxxxx, borrower took title on xxxxxx, which is after the initial loan application was taken on xxxxxx. Further, the warranty deed indicates that the borrower did not have any interest/ownership in the entity vested on title prior, and sole ownership belonged to the non-borrowing spouse. Therefore, the borrower was not vested on title prior to the initial loan application. - Due Diligence Vendor-11/11/2025 |  | Resolved-Operating agreement dated xxxxxx for xxxxxx provided confirming xxxxxx is 100% owner. The borrower is 100% owner of xxxxxx. Therefore the borrower has had ownership in the subject since xxxxxx. - Due Diligence Vendor-11/19/2025 | On time mortgage history exceeds guideline requirement - Borrower has 0x30x49 months mortgage history, guides allow up to 1x30x12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850234 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 11:50 | 2026-03-19 17:53 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received DOT with PUD rider. - Due Diligence Vendor-12/15/2025 <br>Open-PUD Rider is Missing PUD Rider - missing - Due Diligence Vendor-10/24/2025 |  | Resolved-Received DOT with PUD rider. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has 85.69 months of reserves and only needs 2 months qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850234 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 11:20 | 2025-12-15 09:46 | 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-11/26/2025 <br>Counter-Received a page from preliminary title report-please upload complete security instrument with legal exhibit A included in chain. - Due Diligence Vendor-11/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description "Exhibit A". - Due Diligence Vendor-10/24/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has 85.69 months of reserves and only needs 2 months qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850234 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 12:13 | 2025-10-29 11:05 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Receive approval. - Due Diligence Vendor-10/29/2025 <br>Open-Missing Approval/Underwriting Summary . Approval is required. - Due Diligence Vendor-10/24/2025 |  | Resolved-Receive approval. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has 85.69 months of reserves and only needs 2 months qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850565 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850768 | xxxxxx C A | Closed | xxxxxx | 2025-12-01 09:58 | 2025-12-05 09:01 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter - Due Diligence Vendor-12/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter for B1 primary residence, per mortgage statement page 369 another party has mortgaged property. - Due Diligence Vendor-12/01/2025 |  | Resolved-Received Rent Free Letter - Due Diligence Vendor-12/05/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x30 for B2<br>Months Reserves exceed minimum required - 46.23 months PITIA reserves; 8 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850834 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 14:44 | 2026-03-05 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Received Unexpired Credit Report. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Counter-Received credit report dated xxxxxx. Missing LOE for xxxxxx inquiries and xxxxxx is not rating - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). 140 days old - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 | Resolved-Received Unexpired Credit Report. - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |  | 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 |
| 850834 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 14:44 | 2026-03-05 13:17 | 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-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |  | 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 |
| 850834 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 14:48 | 2026-03-04 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-Missing Third Party Fraud Report not provided - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 | Resolved-Received fraud report. - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |  | 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 |
| 850834 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 09:35 | 2026-03-04 09:27 | 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-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ------Provide PCCD with disbursement date after the ROR expiration date xxxxxx. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/04/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 73.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |  | 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 |
| 850834 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 09:55 | 2026-03-04 09:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Received SPL . Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open------Please provide Service Provider List. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 | Resolved-Received SPL . Finding resolved. - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |  | 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 |
| 850834 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 09:44 | 2026-03-04 09:19 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received ITP . Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open------Missing Intent to Proceed. Please provide. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 | Resolved-Received ITP . Finding resolved. - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |  | 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 |
| 850834 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 09:18 | 2026-03-04 09:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure . Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Current One in the File is for a Different Loan and Different Borrower. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 | Resolved-Received Homeownership Counseling Disclosure . Finding resolved. - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |  | 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 |
| 850959 | xxxxxx C A | Closed | xxxxxx | 2025-11-12 13:32 | 2025-11-14 14:17 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-After further review, the prepay riders indicate the prepay begins on the first pay date and every anniversary thereafter. The end date listed is xxxxxx. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. the correct verbiage is within the riders as well - it shows commencement and \* MEASURED DATES etc. these are not incorrect please remove - Seller-11/14/2025 <br> Ready for Review-this is not correct - as it goes based on the date of the loan - we are still in xxxxxx and it goes based off the note date not the 1st payment date - 3 years would be xxxxxx and then the month.. if i put xxxxxx on there that then is 4 years which is invalid. xxxxxx that is 3 full years - the note is correct - Seller-11/14/2025 <br> Open-There are Issues Present on the Note that must be addressed. Prepayment Penalty Addendum does not include year xxxxxx. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. the correct verbiage is within the riders as well - it shows commencement and \* MEASURED DATES etc. these are not incorrect please remove - Seller-11/14/2025 <br> Ready for Review-this is not correct - as it goes based on the date of the loan - we are still in xxxxxx and it goes based off the note date not the 1st payment date - 3 years would be xxxxxx and then the month.. if i put xxxxxx on there that then is 4 years which is invalid. xxxxxx that is 3 full years - the note is correct - Seller-11/14/2025 | Resolved-After further review, the prepay riders indicate the prepay begins on the first pay date and every anniversary thereafter. The end date listed is xxxxxx. - Due Diligence Vendor-11/14/2025 | Months Reserves exceed minimum required - 7.16 months reserves; 2 months reserves required.<br>LTV is less than guideline maximum - Rule False LTV 65% LTV. Allowed 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850959 | xxxxxx C A | Closed | xxxxxx | 2025-11-13 14:48 | 2025-11-14 14:16 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, the prepay riders indicate the prepay begins on the first pay date and every anniversary thereafter. The end date listed is xxxxxx. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. this is invalid - see the rider has correct verbiage and \* MEASURED DATES - Seller-11/14/2025 <br> Ready for Review-this is not correct - as it goes based on the date of the loan - we are still in xxxxxx and it goes based off the note date not the 1st payment date - 3 years would be xxxxxx and then the month.. if i put xxxxxx on there that then is 4 years which is invalid. xxxxxx that is 3 full years - the deed is correct - Seller-11/14/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Prepayment Rider does not include year xxxxxx. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. this is invalid - see the rider has correct verbiage and \* MEASURED DATES - Seller-11/14/2025 <br> Ready for Review-this is not correct - as it goes based on the date of the loan - we are still in xxxxxx and it goes based off the note date not the 1st payment date - 3 years would be xxxxxx and then the month.. if i put xxxxxx on there that then is 4 years which is invalid. xxxxxx that is 3 full years - the deed is correct - Seller-11/14/2025 | Resolved-After further review, the prepay riders indicate the prepay begins on the first pay date and every anniversary thereafter. The end date listed is xxxxxx. - Due Diligence Vendor-11/14/2025 | Months Reserves exceed minimum required - 7.16 months reserves; 2 months reserves required.<br>LTV is less than guideline maximum - Rule False LTV 65% LTV. Allowed 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851112 | xxxxxx D B A | Closed | xxxxxx | 2026-03-04 10:21 | 2026-03-05 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry LOX provided. - Due Diligence Vendor-03/05/2026 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-03/05/2026 |  | Resolved-Inquiry LOX provided. - Due Diligence Vendor-03/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.25<br>LTV is less than guideline maximum - Required is 70 Borrower has 19.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 765 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851112 | xxxxxx D B A | Closed | xxxxxx | 2026-02-27 23:18 | 2026-03-04 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report provided with all alerts cleared. - Due Diligence Vendor-03/04/2026 <br>Open-Missing Third Party Fraud Report missing fraud report - there is an exclusionary list on page 584, which shows all parties cleared. - Due Diligence Vendor-02/28/2026 |  | Resolved-Fraud report provided with all alerts cleared. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.25<br>LTV is less than guideline maximum - Required is 70 Borrower has 19.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 765 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851112 | xxxxxx D B A | Closed | xxxxxx | 2026-02-27 14:58 | 2026-03-04 11:46 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.205% is within allowable threshold of excess of allowable threshold of APOR of 6.1% + 1.75% or7.85%. - Due Diligence Vendor-03/04/2026 <br> Open-Compliant xxxxxx subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.205% is within allowable threshold of APOR of 6.1% + 1.75% or 7.85%. - Due Diligence Vendor-02/27/2026 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.205% is within allowable threshold of excess of allowable threshold of APOR of 6.1% + 1.75% or7.85%. - Due Diligence Vendor-03/04/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.25<br>LTV is less than guideline maximum - Required is 70 Borrower has 19.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 765 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851112 | xxxxxx D B A | Closed | xxxxxx | 2026-02-27 23:13 | 2026-03-04 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM with new inquiries. Alternate finding added. - Due Diligence Vendor-03/04/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap report/UDM - Due Diligence Vendor-02/28/2026 |  | Resolved-Received UDM with new inquiries. Alternate finding added. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.25<br>LTV is less than guideline maximum - Required is 70 Borrower has 19.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 765 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851112 | xxxxxx D B A | Closed | xxxxxx | 2026-02-27 12:34 | 2026-02-27 12:34 | 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-02/27/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.25<br>LTV is less than guideline maximum - Required is 70 Borrower has 19.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 765 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851472 | xxxxxx C B A | Closed | xxxxxx | 2025-11-11 04:08 | 2025-12-19 16:06 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Document Uploaded. LOX on affidavits provided confirming the borrowers checked the first box. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-The initials are what the borrower accepted the X is what they do not accept. - Seller-12/02/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. Audit is unable to determine which box is checked for both borrowers' Affidavits. B1 has two affidavits in file (PDF 195, 245) and B2 also has two affidavits in file (PDF 197, 247). Additional findings may apply. - Due Diligence Vendor-11/11/2025 | Ready for Review-The initials are what the borrower accepted the X is what they do not accept. - Seller-12/02/2025 | Resolved-Document Uploaded. LOX on affidavits provided confirming the borrowers checked the first box. - Due Diligence Vendor-12/19/2025<br>| Months Reserves exceed minimum required - 49.77 months reserves and 6 months required.<br>Long term residence - Borrower lived at primary 5 year per 1003. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851472 | xxxxxx C B A | Closed | xxxxxx | 2025-11-11 04:17 | 2025-12-16 10:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Client exception granted to allow for xxxxxx signing of mortgage for borrower that per lender was in xxxxxx. for closing. Borrower did wet sign note. Waiver applied to non-material finding. - Due Diligence Vendor-12/16/2025 <br> Counter-Wet signed Note provided, however we are missing documentation to support Documents signed by Borrowers outside of the xxxxxx must be notarized by a xxxxxx embassy or consular official and must also meet additional criteria noted in guidelines. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Audit is unable to determine if closing was completed per guidelines which require that Documents signed by Borrowers outside of the xxxxxx must be notarized by a xxxxxx embassy or consular official and must also meet additional criteria noted in guidelines. Per mortgage, loan document signing was completed via remote online notarization (PDF 119) with e-signatures. Additional findings may apply. - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025 | Waived--Client exception granted to allow for xxxxxx signing of mortgage for borrower that per lender was in xxxxxx for closing. Borrower did wet sign note. Waiver applied to non-material finding. - Due Diligence Vendor-12/16/2025 | Months Reserves exceed minimum required - 49.77 months reserves and 6 months required.<br>Long term residence - Borrower lived at primary 5 year per 1003. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851472 | xxxxxx C B A | Closed | xxxxxx | 2025-11-11 03:21 | 2025-12-04 11:14 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received confirmation from insurer tenant coverage. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-Per insurance policy (PDF 584), coverage is provided for both fair rental value and additional living expense. Additional living expense coverage is for a homeowner, and transaction is for purchase of investment property. Additional findings may apply. - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 | Resolved-Received confirmation from insurer tenant coverage. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - 49.77 months reserves and 6 months required.<br>Long term residence - Borrower lived at primary 5 year per 1003. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851476 | xxxxxx C A | Closed | xxxxxx | 2025-11-11 11:34 | 2025-12-04 13:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-11/28/2025 <br>Open-Audited LTV of 65% exceeds Guideline LTV of 60% DSCR < 1 maximum LTV is 60% - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/28/2025 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-12/02/2025<br>| LTV is less than guideline maximum - 60% LTV, max 65%<br>Months Reserves exceed minimum required - 46.85 months of reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851476 | xxxxxx C A | Closed | xxxxxx | 2025-11-10 17:00 | 2025-12-04 13:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Document Uploaded. HUD provided for another refi. Proceeds added to assets. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-see other cond for updated documents - Seller-12/04/2025 <br> Counter-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Missing sufficient funds to cover cash to close and reserves for subject property. Loan was submitted as a 2-pack with xxxxxx using the same proceeds from xxxxxx. There are insufficient funds to cover cash to close and reserves for both loan - Due Diligence Vendor-12/02/2025 <br> Ready for Review-see CD uploaded on other condition - Seller-11/28/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Missing sufficient funds to cover cash to close and reserves for subject property. Loan was submitted as a 2-pack with xxxxxx using the same proceeds from xxxxxx. There are insufficient funds to cover cash to close and reserves for both loans. - Due Diligence Vendor-11/10/2025 | Ready for Review-see other cond for updated documents - Seller-12/04/2025 <br> Ready for Review-see CD uploaded on other condition - Seller-11/28/2025 | Resolved-Document Uploaded. HUD provided for another refi. Proceeds added to assets. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - 60% LTV, max 65%<br>Months Reserves exceed minimum required - 46.85 months of reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851476 | xxxxxx C A | Closed | xxxxxx | 2025-11-10 16:28 | 2025-12-04 12:59 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Borrower and spouse own the company. EIN not applicable. - Due Diligence Vendor-03/24/2026 <br>Counter-Received printout. Guideline require EIN. Finding remains. - Due Diligence Vendor-12/02/2025 <br>Open-The Business Entity Formation Document is incomplete Missing EIN. W-9 provided is blank. - Due Diligence Vendor-11/10/2025 |  | Resolved-Borrower and spouse own the company. EIN not applicable. - Due Diligence Vendor-03/24/2026<br>| LTV is less than guideline maximum - 60% LTV, max 65%<br>Months Reserves exceed minimum required - 46.85 months of reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851476 | xxxxxx C A | Closed | xxxxxx | 2025-11-10 16:55 | 2025-12-04 12:58 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received CD for xxxxxx - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Counter-Received CD for xxxxxx. Funds insufficient to support reserves and closing cost for 2pack. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-11/28/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing CD from refinance of property whose last four digits of the loan number is xxxxxx for xxxxxx. Per processor cert these funds were used for the down payment. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/28/2025 | Resolved-Received CD for xxxxxx - Due Diligence Vendor-12/04/2025 | LTV is less than guideline maximum - 60% LTV, max 65%<br>Months Reserves exceed minimum required - 46.85 months of reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851476 | xxxxxx C A | Closed | xxxxxx | 2025-11-10 16:55 | 2025-12-04 12:58 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received CD for xxxxxx - Due Diligence Vendor-12/04/2025 <br> Ready for Review-see other cond for updated documents - Seller-12/04/2025 <br> Counter-Received Cd for xxxxxx. Funds insufficient for closing and reserves for two pack. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-11/28/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-117565.89'. Assets are Insufficient. Missing sufficient funds to cover cash to close and reserves for subject property. Loan was submitted as a 2-pack with xxxxxx using the same proceeds from xxxxxx. There are insufficient funds to cover cash to close and reserves for both loans. - Due Diligence Vendor-11/10/2025 | Ready for Review-see other cond for updated documents - Seller-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/28/2025 | Resolved-Received CD for xxxxxx - Due Diligence Vendor-12/04/2025 | LTV is less than guideline maximum - 60% LTV, max 65%<br>Months Reserves exceed minimum required - 46.85 months of reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851476 | xxxxxx C A | Closed | xxxxxx | 2025-11-10 16:42 | 2025-12-02 17:48 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received CU with score of 1 - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-11/28/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing acceptable secondary valuation within allowable tolerance to support the appraised value. xxxxxx CU provided is dated xxxxxx and most recent signature date on the appraisal is xxxxxx. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/28/2025 | Resolved-Received CU with score of 1 - Due Diligence Vendor-12/02/2025<br>| LTV is less than guideline maximum - 60% LTV, max 65%<br>Months Reserves exceed minimum required - 46.85 months of reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851666 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851687 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851741 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852251 | xxxxxx D A | Closed | xxxxxx | 2025-11-20 15:07 | 2025-12-02 14:28 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Received Condo Questionnaire. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. xxxxxx - attached is a copy of the condo questionnaire that was in the package - all section of VI are completed that I see. xxxxxx is the party to contact for Hazard/Liability/xxxxxx/Flood it is represented by using (") after each one. Carrier/Agent Name & Carrier/Agent phone number - Seller-11/25/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Condo questionnaire is incomplete. Subject is in a Flood Zone . Section VI. Insurance Information & Financial Controls of the condo questionnaire needs to be completed. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. xxxxxx - attached is a copy of the condo questionnaire that was in the package - all section of VI are completed that I see. xxxxxx is the party to contact for Hazard/Liability/xxxxxx/Flood it is represented by using (") after each one. Carrier/Agent Name & Carrier/Agent phone number - Seller-11/25/2025 | Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-12/02/2025<br>| Long term residence - Long Term Residence = 11+ years<br>LTV is less than guideline maximum - Required is 60 Borrower has 51.28 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852296 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852358 | xxxxxx C B A | Closed | xxxxxx | 2025-11-20 14:46 | 2025-12-17 09:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Client provided a waiver cash out transaction with MLS listing at time of application, applied to non material finding with comp factors - Due Diligence Vendor-12/17/2025 <br> Counter-The listing was removed post the application date. Finding remains. - Due Diligence Vendor-12/04/2025 <br> Open-Loan does not meet guideline requirements for loans listed for sale. Properties currently listed for sale (at the time of application) are not eligible for refinance transactions. Application date was xxxxxx. Per public records, subject's listing was removed on xxxxxx<br> - Due Diligence Vendor-11/20/2025 |  | Waived-Client provided a waiver cash out transaction with MLS listing at time of application, applied to non material finding with comp factors - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 734<br>LTV is less than guideline maximum - Required is 75 Borrower has 64.13 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> DSCR > 1.3 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852360 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852367 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852850 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 15:15 | 2026-01-12 15:34 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Marked up title provided confirming the seller's judgments will be cleared. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Counter-Received purchase contract addendums. Please provided disposition of seller's judgments and confirmation that title will insure over and first lien position is superior to Schedule B Part II #13 (claims of tenants) - Due Diligence Vendor-12/17/2025 <br> Counter-Addendum to contract stating the subject to be delivered vacant at closing. Please provided disposition of seller's judgments and confirmation that title will insure over and first lien position is superior to Schedule B Part II #13 (claims of tenants) - Due Diligence Vendor-12/04/2025 <br> Open-Property Title Issue Missing disposition of seller's judgments and confirmation that title will insure over and first lien position is superior to Schedule B Part II #13 (claims of tenants). Unit xxxxxx remains leased as rents were transferred to the borrower on the settlement statement but no leases were provided. Additional findings may apply. <br> - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-01/12/2026 | Resolved-Marked up title provided confirming the seller's judgments will be cleared. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852850 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 16:11 | 2025-12-08 11:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, 12 month payment history was located in the loan file for xxxxxx Balance was paid prior to close. - Due Diligence Vendor-12/08/2025 <br> Counter-Please provide a payment history for the Primary Residence second lien for account xxxxxx - Due Diligence Vendor-12/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing updated housing payment history for the borrower's primary mortgage. Per fraud lien history the most recent is a HELOC whose last four digits are xxxxxx and was last reported 08/28/25. Statement provided for lien ending xxxxxx is not associated to the borrower's primary. - Due Diligence Vendor-11/26/2025 |  | Resolved-Upon further review, 12 month payment history was located in the loan file for xxxxxx Balance was paid prior to close. - Due Diligence Vendor-12/08/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852850 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-25 14:14 | 2025-12-04 13:56 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received confirmation 3 year PPP. - Due Diligence Vendor-12/04/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. ------PPP on Note until xxxxxx - Due Diligence Vendor-11/25/2025 |  | Resolved-Received confirmation 3 year PPP. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852850 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 15:08 | 2025-12-04 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Upon further review, per the purchase contract subject is to be delivered as vacant at closing. - Due Diligence Vendor-12/04/2025 <br> Open-Per appraiser Units xxxxxx and xxxxxx are Occupied/Leased (appraisal photos). Per purchase contract addendum the property will convey vacant. Per settlement statement Unit xxxxxx remains occupied and rents transferred to the borrower. <br> (1) Missing a month-to-month lease with an initial 12-month term that allows for month-to-month renewal for Unit xxxxxx. <br> (2) Missing proof of rent collection for most recent 2 consecutive months required on month-to-month lease for Unit xxxxxx. Cash receipts will not be accepted.<br> (3) Additional findings may apply. - Due Diligence Vendor-11/26/2025 |  | Resolved-Upon further review, per the purchase contract subject is to be delivered as vacant at closing. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852850 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 15:44 | 2025-12-04 13:48 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further review, the deferred maintenance is not a material finding. - Due Diligence Vendor-12/04/2025 <br> Open-Missing 1004D showing xxxxxx. Appraiser to also comment no active leaks in Unit xxxxxx. Photo taken by unknown party shows xxxxxx only. Additional findings may apply. <br> - Due Diligence Vendor-11/26/2025 |  | Resolved-Upon further review, the deferred maintenance is not a material finding. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852850 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 15:43 | 2025-12-04 13:40 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk review. Value supported within tolerance. - Due Diligence Vendor-12/04/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing acceptable secondary valuation within allowable tolerance to support the appraised value. Original appraiser to address any discrepancies between the review and Original Appraisal. CDA provided was performed on an appraisal with an effective date of xxxxxx and was performed by a different appraiser from the one delivered in the closed loan package. Additional findings may apply.<br> - Due Diligence Vendor-11/26/2025 |  | Resolved-Received Desk review. Value supported within tolerance. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852850 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 14:29 | 2025-12-03 09:10 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty is not allowed | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx, loan vested in an LLC. - Due Diligence Vendor-12/03/2025 <br> Open-Property is located in xxxxxx and entity is an LLC not S-Corp or C-Corp. - Due Diligence Vendor-11/26/2025 |  | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx, loan vested in an LLC. - Due Diligence Vendor-12/03/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852879 | xxxxxx C B A | Closed | xxxxxx | 2026-01-30 11:21 | 2026-02-12 12:18 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap report with no new inquiries since original credit report. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. gap credit is 1/26/2026. Attaching here again.<br>- Seller-02/11/2026 <br> Counter- No document provided. Gap report in file is dated 12/30/26. Please provide Gap report referenced in lender note dated xxxxxx. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Gap credit report is pulled on January 26, 2026. Can you please clarify on why this is considered "expired"? - Seller-02/09/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Expired, provided updated gap report - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. gap credit is 1/26/2026. Attaching here again.<br>- Seller-02/11/2026 <br> Ready for Review-Gap credit report is pulled on January 26, 2026. Can you please clarify on why this is considered "expired"? - Seller-02/09/2026 | Resolved-Received Gap report with no new inquiries since original credit report. - Due Diligence Vendor-02/12/2026<br>| Long term residence - Borrower has lived at the subj for 18 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.35 |  | 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 |
| 852879 | xxxxxx C B A | Closed | xxxxxx | 2026-01-30 11:32 | 2026-02-10 08:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client provided a waiver to allow LTV of 71.59 to exceed max LTV of 70% with 666 Credit score, applied to non material finding with comp factors - Due Diligence Vendor-02/10/2026 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Seller-02/10/2026 <br> Counter-Received correspondence from origination LTV is acceptable per xxxxxx. Review utilized Matrix 11/4/2024 reflecting max LTV 70% for fico below 680 r/T. - Due Diligence Vendor-02/03/2026 <br> Open-Audited LTV of 71.59% exceeds Guideline LTV of 70% LTV exceeds max LTV of 70% with a 666 credit score - Due Diligence Vendor-01/30/2026 | Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Seller-02/10/2026 | Waived-Client provided a waiver to allow LTV of 71.59 to exceed max LTV of 70% with 666 Credit score, applied to non material finding with comp factors - Due Diligence Vendor-02/10/2026<br>| Long term residence - Borrower has lived at the subj for 18 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.35 | 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - Transaction is a rate and term refinance / Compensating Factor 3 - 0x30 for 24 months on all mortgages | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 852879 | xxxxxx C B A | Closed | xxxxxx | 2026-01-29 14:21 | 2026-01-30 15:30 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, findings are not valid. Variance due to rounding. - Due Diligence Vendor-01/30/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.45.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). ----- Rescinded due to rounding. - Due Diligence Vendor-01/29/2026 |  | Resolved-Upon further review, findings are not valid. Variance due to rounding. - Due Diligence Vendor-01/30/2026<br>| Long term residence - Borrower has lived at the subj for 18 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.35 |  | 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 |
| 852879 | xxxxxx C B A | Closed | xxxxxx | 2026-01-29 14:21 | 2026-01-30 15:30 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Upon further review, findings are not valid. Variance due to rounding. - Due Diligence Vendor-01/30/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/29/2026 |  | Resolved-Upon further review, findings are not valid. Variance due to rounding. - Due Diligence Vendor-01/30/2026<br>| Long term residence - Borrower has lived at the subj for 18 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.35 |  | 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 |
| 852879 | xxxxxx C B A | Closed | xxxxxx | 2026-01-29 14:21 | 2026-01-30 15:30 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Upon further review, findings are not valid. Variance due to rounding. - Due Diligence Vendor-01/30/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/29/2026 |  | Resolved-Upon further review, findings are not valid. Variance due to rounding. - Due Diligence Vendor-01/30/2026<br>| Long term residence - Borrower has lived at the subj for 18 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.35 |  | 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 |
| 852904 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 09:07 | 2026-03-20 17:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Downgraded to B. No exception in file; however, per overlays, xxxxxx appears to allow to 0.001. Additionally, Investor does allow to 0.001 without exception. Client overlay applied to non-material finding. - Due Diligence Vendor-03/20/2026 <br> Open-The Calculated DSCR of '0.694' is less than the minimum DSCR per lender guidelines of '0.75'. xxxxxx minimum DSCR is 0.75 and calculated DSCR is 0.694. Downgraded to B, per overlays xxxxxx appears to allow to 0.001. Additionally, Investor does allow to 0.001 without exception. - Due Diligence Vendor-12/16/2025 |  | Waived-Downgraded to B. No exception in file; however, per overlays, xxxxxx appears to allow to 0.001. Additionally, Investor does allow to 0.001 without exception. Client overlay applied to non-material finding. - Due Diligence Vendor-03/20/2026 | Months Reserves exceed minimum required - 3 months reserves are required and the borrower has over 116 months verified. <br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x61 months, guides allow a maximum of 1x30x12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 852904 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 08:48 | 2025-12-19 11:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Replacement Cost Confirmation. - Due Diligence Vendor-12/19/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. The Hazard Insurance policy does not provide sufficient coverage to meet the RCV of xxxxxx. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received Replacement Cost Confirmation. - Due Diligence Vendor-12/19/2025<br>| Months Reserves exceed minimum required - 3 months reserves are required and the borrower has over 116 months verified. <br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x61 months, guides allow a maximum of 1x30x12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852904 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 12:24 | 2025-12-19 11:11 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-12/19/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A (Legal Description) attached to mortgage chain for recording purposes<br> - Due Diligence Vendor-12/16/2025 |  | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-12/19/2025<br>| Months Reserves exceed minimum required - 3 months reserves are required and the borrower has over 116 months verified. <br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x61 months, guides allow a maximum of 1x30x12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853156 | xxxxxx C A | Closed | xxxxxx | 2025-12-24 15:05 | 2026-03-23 10:30 | Resolved | 1 - Information A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved------Received executed Note with corrected APR. Finding resolved. - Due Diligence Vendor-03/23/2026 <br>Counter-----Final CD and Post Closed CD's reflect an Interest rate of 6.875%, the note reflects a interest rate of 7.00%. finding Remain - Due Diligence Vendor-03/23/2026 <br>Open-----Final CD and Post Closed CD's reflect an Interest rate of 6.875%, the note reflects a interest rate of 7.00%. - Due Diligence Vendor-03/23/2026 |  | Resolved------Received executed Note with corrected APR. Finding resolved. - Due Diligence Vendor-03/23/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |  | 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 |
| 853156 | xxxxxx C A | Closed | xxxxxx | 2025-12-24 15:05 | 2026-03-23 10:26 | Resolved | 1 - Information A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved------Received executed Note with corrected APR. Finding resolved. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-03/23/2026 <br>Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $1,253,759.69. The disclosed total of payments charge of $1,238,239.84 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> - Due Diligence Vendor-03/23/2026 |  | Resolved------Received executed Note with corrected APR. Finding resolved. - Due Diligence Vendor-03/23/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |  | 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 |
| 853156 | xxxxxx C A | Closed | xxxxxx | 2025-12-24 15:08 | 2026-01-16 07:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved------Received executed note with corrected interest rate. Finding resolved. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/15/2026 <br>Counter-----Final CD and Post Closed CD's reflect an Interest rate of 6.875%, the note reflects a interest rate of 7.00%. finding Remain - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-01/09/2026 <br>Open-Final CD and PCCD in file show interest rate of 6.875%. Note shows interest rate as 7%. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-01/09/2026<br>| Resolved------Received executed note with corrected interest rate. Finding resolved. - Due Diligence Vendor-01/16/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |  | 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 |
| 853156 | xxxxxx C A | Closed | xxxxxx | 2025-12-24 15:05 | 2026-01-16 07:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved------Received executed Note with corrected APR. Finding resolved. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/15/2026 <br> Counter-----Final CD and Post Closed CD's reflect an Interest rate of 6.875%, the note reflects a interest rate of 7.00%. finding Remain - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/09/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $737,131.69. The disclosed finance charge of $721,611.84 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 $737,016.69 . The disclosed finance charge of $721,611.84 is not considered accurate because it is understated by more than $100 at $15,404.85. Provide evidence of refund or principal reduction of $15,404.85, 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.<br> - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/09/2026<br>| Resolved------Received executed Note with corrected APR. Finding resolved. - Due Diligence Vendor-01/16/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |  | 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 |
| 853156 | xxxxxx C A | Closed | xxxxxx | 2025-12-24 15:05 | 2026-01-16 07:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved------Received executed Note with corrected APR. Finding resolved. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/15/2026 <br>Counter-----Final CD and Post Closed CD's reflect an Interest rate of 6.875%, the note reflects a interest rate of 7.00%. finding Remain - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/09/2026 <br>Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $1,253,759.69. The disclosed total of payments of $1,238,239.84 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. -----Total of payments is understated by $15,404.85 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $15,404.85 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery.<br> - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/09/2026<br>| Resolved------Received executed Note with corrected APR. Finding resolved. - Due Diligence Vendor-01/16/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |  | 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 |
| 853156 | xxxxxx C A | Closed | xxxxxx | 2025-12-24 14:25 | 2026-01-14 17:31 | 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-01/14/2026 <br>Ready for Review-Document Uploaded. please see attached recorded DOT received from Escrow - Seller-01/12/2026 <br>Counter-Received DOT without Legal included in chain. Unable to confirm Legal was recorded with DOT. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-01/07/2026 <br>Counter-Received Legal Description. Please provide chain to confirm legal recorded with Deed of Trust. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached<br> - Seller-01/05/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A not in Mortgage Document. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. please see attached recorded DOT received from Escrow - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. Please see attached<br> - Seller-01/05/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/14/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |  | 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 |
| 853281 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853339 | xxxxxx B A | Closed | xxxxxx | 2025-12-30 16:32 | 2025-12-30 17:45 | 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, waiver applied with comp factors. - Due Diligence Vendor-12/30/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 797 Required is 640 Borrower has 797<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR allowed is 0.75 - actual DSCR is 1.18. Required is 0.75 Borrower has 1.182 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853381 | xxxxxx C A | Closed | xxxxxx | 2026-01-23 17:34 | 2026-02-05 12:08 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised 1003, 1008 and tax bill for lot. - Due Diligence Vendor-02/05/2026 <br> Counter-Received narrative indicating borrowers do not own vacant lots. Please refer to LOE dated xxxxxx confirming acquisition of xxxxxx lots along with corresponding HUD. Finding remains. - Due Diligence Vendor-02/02/2026 <br> Open-Borrower recently purchased a small portion of the property (xxxxxx) located at xxxxxx, as shown on the corresponding HUD settlement statement & deed. Add REO to loan application as Brw now owns this vacant lot. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received revised 1003, 1008 and tax bill for lot. - Due Diligence Vendor-02/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853381 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 09:42 | 2026-02-02 07:27 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/02/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,702.63) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,013.00). 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 $2,013.00 to $1,702.63 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $310.37, 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.<br> - Due Diligence Vendor-01/20/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853381 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 09:35 | 2026-02-02 07:21 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received acknowledgement that fee was a lender paid compensation. Finding Resolved. - Due Diligence Vendor-02/02/2026 <br>Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-01/20/2026 |  | Resolved------Received acknowledgement that fee was a lender paid compensation. Finding Resolved. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853397 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853404 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853494 | xxxxxx D A | Closed | xxxxxx | 2025-12-24 13:07 | 2025-12-30 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Upon further review additional review product is a BPO and can be before appraisal date. - Due Diligence Vendor-12/30/2025 <br>Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. - Due Diligence Vendor-12/24/2025 |  | Resolved-Upon further review additional review product is a BPO and can be before appraisal date. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778<br>Months Reserves exceed minimum required - required reserves 2 months, borrower has 220 months in reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853511 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853513 | xxxxxx D B A | Closed | xxxxxx | 2026-01-27 12:01 | 2026-02-10 11:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received Governing Documentation from HOA. - Due Diligence Vendor-02/10/2026 <br>Counter-Condo Questionnaire provided, please provide a copy of the Governing document for Item 22. Right of First Refusal. - Due Diligence Vendor-01/30/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Must meet guidelines, additional conditions may apply after review. - Due Diligence Vendor-01/27/2026 |  | Resolved-Received Governing Documentation from HOA. - Due Diligence Vendor-02/10/2026<br>| Qualifying DTI below maximum allowed - N/A Required is 50 Borrower has 41.27<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 59.68 |  | 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 |
| 853513 | xxxxxx D B A | Closed | xxxxxx | 2026-01-22 06:44 | 2026-01-27 16:37 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 9.288% is within allowable threshold of APOR of 6.26% + 3.75% or 10.01%. - Due Diligence Vendor-01/27/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.288% is within allowable threshold of APOR of 6.26% + 3.75% or 10.01%. - Due Diligence Vendor-01/22/2026 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 9.288% is within allowable threshold of APOR of 6.26% + 3.75% or 10.01%. - Due Diligence Vendor-01/27/2026 | Qualifying DTI below maximum allowed - N/A Required is 50 Borrower has 41.27<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 59.68 |  | 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 |
| 853513 | xxxxxx D B A | Closed | xxxxxx | 2026-01-21 15:37 | 2026-01-21 15:37 | 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.<br> - Due Diligence Vendor-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - N/A Required is 50 Borrower has 41.27<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 59.68 |  | 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 |
| 853519 | xxxxxx D A | Closed | xxxxxx | 2025-11-20 13:03 | 2025-12-19 11:29 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Building Recertification. - Due Diligence Vendor-12/19/2025 <br> Open-The file does not contain the required structural engineer report per state law. Subject is missing required milestone inspection as required by xxxxxx Senate Bill No. 40. Subject Cert of Occ was on or before xxxxxx, has a building with 3 or more stories and is 25 years of age and if located within xxxxxx. - Due Diligence Vendor-11/20/2025 |  | Resolved-Received Building Recertification. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 700, Borrower has 752 Required is 700 Borrower has 752<br>LTV is less than guideline maximum - Max allowed is 65%, Borrower has 57.30% Required is 65 Borrower has 57.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853519 | xxxxxx D A | Closed | xxxxxx | 2025-11-20 10:54 | 2025-12-16 11:18 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received executed Notice of Special Flood Hazard. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/16/2025 <br> Counter-Master Policy provided, however we are missing Notice of Special Flood Hazard Disclosure - Due Diligence Vendor-12/04/2025 <br> Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided Notice of Special Flood Hazard Disclosure in file but not executed/dated by the borrower. - Due Diligence Vendor-11/21/2025 |  | Resolved-Received executed Notice of Special Flood Hazard. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 700, Borrower has 752 Required is 700 Borrower has 752<br>LTV is less than guideline maximum - Max allowed is 65%, Borrower has 57.30% Required is 65 Borrower has 57.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853519 | xxxxxx D A | Closed | xxxxxx | 2025-11-20 10:19 | 2025-12-08 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-After further review, this is built into the Mortgage doc. - Due Diligence Vendor-12/08/2025 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Missing Condo rider - Due Diligence Vendor-11/20/2025 |  | Resolved-After further review, this is built into the Mortgage doc. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 700, Borrower has 752 Required is 700 Borrower has 752<br>LTV is less than guideline maximum - Max allowed is 65%, Borrower has 57.30% Required is 65 Borrower has 57.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853590 | xxxxxx D A C | Closed | xxxxxx | 2026-01-28 08:40 | 2026-02-11 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-A tax preparer website was provided. - Due Diligence Vendor-02/11/2026 <br>Counter-Received CPA letter, Web Contact info, and SOS for Borrower Business. CPA letter and Web Contact reflected two different email addresses for CPA. Please provide proof of Current/active license or certification for the preparer to document CPA. - Due Diligence Vendor-02/11/2026 <br>Open-Borrower 1 CPA Letter Missing CPA letter provided; however, no license number is present on the letter. Current/active license or certification for the preparer to be provided - Due Diligence Vendor-01/28/2026 |  | Resolved-A tax preparer website was provided. - Due Diligence Vendor-02/11/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 72.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853590 | xxxxxx D A C | Closed | xxxxxx | 2026-01-27 14:27 | 2026-02-03 09:23 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received bank statement reflecting ssi and pension receipt. - Due Diligence Vendor-02/03/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending receipt of SSI and pension income - Due Diligence Vendor-01/28/2026 |  | Resolved-Received bank statement reflecting ssi and pension receipt. - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 72.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853590 | xxxxxx D A C | Closed | xxxxxx | 2026-01-27 13:52 | 2026-02-03 09:21 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received bank statement reflecting SSI and Pension receipt. - Due Diligence Vendor-02/03/2026 <br>Open-Income and Employment Do Not Meet Guidelines Missing proof of 1 month receipt of SSI income and Retirement pension income on bank statements. - Due Diligence Vendor-01/27/2026 |  | Resolved-Received bank statement reflecting SSI and Pension receipt. - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 72.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853645 | xxxxxx C A | Closed | xxxxxx | 2025-12-01 11:22 | 2025-12-08 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received Revised Appraisal. - Due Diligence Vendor-12/08/2025 <br> Open-Missing appraisal revisions. Appraiser shows xxxxxx photos and shows xxxxxx, however - appraisal shows for Grid and on Page 1 - xxxxxx. - Due Diligence Vendor-12/01/2025 |  | Resolved-Received Revised Appraisal. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723<br>LTV is less than guideline maximum - Required is 70 Borrower has 39.68 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853794 | xxxxxx D A | Closed | xxxxxx | 2025-11-26 10:47 | 2025-12-08 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax calculation provided. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Can you please escalate this condition to a manager for 2nd review <br>The guideline is our calculation. 1.25%, The title company does not provide this for xxxxxx. <br>using what it is currently <br> - Seller-12/08/2025 <br> Counter-Newley constructed, please provide the estimated tax calculation used for qualification. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. xxxxxx This is a xxxxxx loan - we do not require a dti to qualify and the borrower did not escrow . Per out guidelines on refi we can use the assessed amount. please clear xxxxxx u :) - Seller-12/04/2025 <br> Counter-Received Tax Information Sheet reflecting the incorrect assessed value. Taxes must be based on improved value. Finding remains. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. uploaded tax sheet - Seller-12/02/2025 <br> Open-Missing Evidence of Property Tax Provide documentation to verify the subject property tax. Audit utilized estimated RE tax from the final loan application/1008 PITI. Additional conditions may apply, pending review. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Can you please escalate this condition to a manager for 2nd review <br>The guideline is our calculation. 1.25%, The title company does not provide this for xxxxxx. <br>using what it is currently <br> - Seller-12/08/2025 <br> Ready for Review-Document Uploaded. xxxxxx This is a xxxxxx loan - we do not require a dti to qualify and the borrower did not escrow . Per out guidelines on refi we can use the assessed amount. please clear xxxxxx u :) - Seller-12/04/2025 <br> Ready for Review-Document Uploaded. uploaded tax sheet - Seller-12/02/2025 | Resolved-Tax calculation provided. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 660, Borrower has 691 Required is 660 Borrower has 691<br>LTV is less than guideline maximum - Max is 70%, Borrower has 54.17% Required is 70 Borrower has 54.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853799 | xxxxxx D B A | Closed | xxxxxx | 2025-12-16 09:54 | 2026-01-05 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received title in name of xxxxxx - Due Diligence Vendor-01/05/2026 <br> Counter-Received Title. Proposed insured is not the who is vested on subject. - Due Diligence Vendor-12/31/2025 <br> Open-Title Document is missing Please provide evidence of title. Additionally, findings may apply upon receipt. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received title in name of xxxxxx. - Due Diligence Vendor-01/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 811; guidelines require 700. Required is 700 Borrower has 811<br>LTV is less than guideline maximum - LTV 75%. LTV Allowed 80% Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853799 | xxxxxx D B A | Closed | xxxxxx | 2025-12-16 15:25 | 2025-12-16 15:30 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty is not allowed | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-12/16/2025 <br> Open-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-12/16/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 811; guidelines require 700. Required is 700 Borrower has 811<br>LTV is less than guideline maximum - LTV 75%. LTV Allowed 80% Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853806 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 09:09 | 2026-01-29 09:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR and confirmation utilities are paid current. - Due Diligence Vendor-01/29/2026 <br>Counter-Received note "see attached". No document attached. Please reupload 12 month rental housing history for borrower's primary address. - Due Diligence Vendor-01/26/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 month rental housing history for borrower's primary address. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received VOR and confirmation utilities are paid current. - Due Diligence Vendor-01/29/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 805 Required is 680 Borrower has 805<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.63 Required is 50 Borrower has 35.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853806 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 15:54 | 2026-01-23 11:35 | 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-01/23/2026 <br> Counter-Received confirmation no HOA for xxxxxx. Missing HOA validation for xxxxxx - Due Diligence Vendor-01/20/2026 <br> Open-Missing verification of HOA dues for Property xxxxxx (per LOX in file) - Due Diligence Vendor-12/15/2025 |  | Resolved-Received HOA verification. - Due Diligence Vendor-01/23/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 805 Required is 680 Borrower has 805<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.63 Required is 50 Borrower has 35.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853806 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 16:07 | 2026-01-20 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received PUD Rider. - Due Diligence Vendor-01/20/2026 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received PUD Rider. - Due Diligence Vendor-01/20/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 805 Required is 680 Borrower has 805<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.63 Required is 50 Borrower has 35.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853806 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 16:07 | 2026-01-20 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD rider. - Due Diligence Vendor-01/20/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-12/15/2025 |  | Resolved-Received PUD rider. - Due Diligence Vendor-01/20/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 805 Required is 680 Borrower has 805<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.63 Required is 50 Borrower has 35.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853806 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 09:37 | 2025-12-19 11:41 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated 1003. - Due Diligence Vendor-12/19/2025 <br> Open-Missing corrected 1003 showing Properties xxxxxx and xxxxxx are investment properties and not primary residences - Due Diligence Vendor-12/15/2025 |  | Resolved-Received updated 1003. - Due Diligence Vendor-12/19/2025<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 805 Required is 680 Borrower has 805<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.63 Required is 50 Borrower has 35.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853810 | xxxxxx C B A | Closed | xxxxxx | 2025-12-15 20:42 | 2026-03-23 11:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Investor waiver applied to non-material finding with compensating factors. Exception in file to allow 672 FICO vs 680 FICO required with 70% LTV. - Due Diligence Vendor-12/16/2025 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% Allow 672 FICO vs 680 FICO required with 70% LTV - Due Diligence Vendor-12/16/2025 |  | Waived-Investor waiver applied to non-material finding with compensating factors. Exception in file to allow 672 FICO vs 680 FICO required with 70% LTV. - Due Diligence Vendor-12/16/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrowers have 24 months<br>Long term residence - Borrower has lived in primary for 17 years | Allow 672 FICO vs 680 FICO required with 70% LTV<br> Reserves exceed requirements by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853811 | xxxxxx D A | Closed | xxxxxx | 2025-12-04 11:47 | 2025-12-17 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received preliminary title xxxxxx confirming purchase date and no liens. - Due Diligence Vendor-12/17/2025 <br> Counter-Received partial Title. Missing current vesting and 24 month chain of title. Title in file document recent transfer as of xxxxxx with an outstanding lien. Missing proof of payoff of lien. - Due Diligence Vendor-12/12/2025 <br> Open-Title Document is Incomplete Delayed financing-The preliminary title search or report must confirm that there are no existing liens on the subject property. Page 500 title shows a lien appearing. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received preliminary title xxxxxx confirming purchase date and no liens. - Due Diligence Vendor-12/17/2025 | Long term residence - 5 Years.<br>Months Reserves exceed minimum required - 81 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853839 | xxxxxx C B A | Closed | xxxxxx | 2026-01-22 17:08 | 2026-01-29 16:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Program updated to xxxxxx - reserves are sufficient. - Due Diligence Vendor-01/29/2026 <br>Counter-Received originator note indicating xxxxxx. Tape reflects xxxxxx Plus and 6 months reserves required. - Due Diligence Vendor-01/28/2026 <br>Open-Audited Reserves of 3.18 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/22/2026 |  | Resolved-Program updated to xxxxxx - reserves are sufficient. - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.55 |  | 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 |
| 853839 | xxxxxx C B A | Closed | xxxxxx | 2026-01-16 12:27 | 2026-01-20 09:09 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.55 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 853839 | xxxxxx C B A | Closed | xxxxxx | 2026-01-16 09:42 | 2026-01-16 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. - Due Diligence Vendor-01/16/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.55 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 853878 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 03:18 | 2026-01-16 15:11 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation from the title company that #15 was satisfied. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Counter-Received confirmation #16 and 17 to be removed, #7 met. Missing evidence that Tile #15 was satisfied regarding Lis Pendens dated xxxxxx. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/08/2026 <br> Counter-Received confirmation xxxxxx was added to address. Missing 2. Missing affidavit of title by seller required by Title #7. File included affidavit of title by mortgagor only. 3. Missing evidence that Tile #15 was satisfied regarding Lis Pendens dated xxxxxx. 4. Missing evidence that Title #16 and #17 were satisfied. Both findings are related to the estates of two prior owners who are now deceased. - Due Diligence Vendor-01/02/2026 <br> Open-Property Title Issue 1. Title to address if the slight deviation in city name xxxxxx. City name on title commitment does not match note, mortgage, appraisal, and insurance binder. City name on title commitment matches conveyance Deed and flood cert. However, Lot and block number matches on documents where legal is disclosed. City name should match throughout loan file. Additional findings may apply.<br> 2. Missing affidavit of title by seller required by Title #7. File included affidavit of title by mortgagor only.<br> 3. Missing evidence that Tile #15 was satisfied regarding Lis Pendens dated xxxxxx<br> 4. Missing evidence that Title #16 and #17 were satisfied. Both findings are related to the estates of two prior owners who are now deceased.<br> - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-01/16/2026 | Resolved-Received confirmation from the title company that #15 was satisfied. - Due Diligence Vendor-01/16/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 03:45 | 2026-01-14 17:16 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-After further review, the contract indicates the property is shown on the municipal tax map of xxxxxx, which matches all other docs. - Due Diligence Vendor-01/14/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing addendum to purchase agreement with city matching note and mortgage. Additional findings may apply since address should match throughout loan file. - Due Diligence Vendor-12/17/2025 |  | Resolved-After further review, the contract indicates the property is shown on the municipal tax map of xxxxxx, which matches all other docs. - Due Diligence Vendor-01/14/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 03:18 | 2026-01-14 15:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-List of exemption codes provided. The property has no exemption per tax search in the loan file. - Due Diligence Vendor-01/14/2026 <br>Counter-No document provided. Missing evidence of tax bill to confirm exemptions. Finding remains. - Due Diligence Vendor-12/31/2025 <br>Open-Missing Evidence of Property Tax Missing tax estimate for investment property. Taxes used for qualifying were taken from tax search in file. Per appraisal, subject was owner occupied, and transaction is for investment purchase. Audit is unable to determine from tax search if taxes reported include homestead exemption. Additional findings may apply and DSCR may require recalculation. - Due Diligence Vendor-12/17/2025 |  | Resolved-List of exemption codes provided. The property has no exemption per tax search in the loan file. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 02:29 | 2026-01-14 15:44 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Completed loan application provided. - Due Diligence Vendor-01/14/2026 <br>Counter-Received application reflecting borrower owns primary residence. Since when is blank. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/08/2026 <br>Open-Missing application including a 2-year residence history for borrower and indicating if borrower rents, owns or lives rent free.. Additional findings may apply - Due Diligence Vendor-12/17/2025 |  | Resolved-Completed loan application provided. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 04:34 | 2026-01-14 15:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Property profile provided confirming the property is free and clear. - Due Diligence Vendor-01/14/2026 <br>Counter-Received application indicating borrower owns current residence. Missing 12-month mortgage history for borrower's primary residence - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/08/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12-month mortgage history for borrower's primary residence. Application does not indicate if borrower owns, rents or is rent free; but, the address noted on the application has a mortgage tradeline on credit report. However, the address for borrower noted on application does not match the address noted on credit report or borrower's bank statement. Additional findings may apply. - Due Diligence Vendor-12/17/2025 |  | Resolved-Property profile provided confirming the property is free and clear. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 04:26 | 2026-01-14 15:25 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-September xxxxxx statement provided. - Due Diligence Vendor-01/14/2026 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Missing additional month's statement for xxxxxx xxxxxx bank account. File included the 10/31/2025 statement only, and 2 months most recent statements required by Guideline Section 11.1. Additional findings may apply since Audit included the balances as eligible assets. - Due Diligence Vendor-12/17/2025 |  | Resolved-September xxxxxx statement provided. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 03:06 | 2026-01-09 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Operating agreement provided confirming 51% ownership. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Audit is unable to determine if borrower meets Guideline Section 6.1 requiring that personal guarantor must own 25% of the Borrowing Entity LLC. File includes two LLC Company Agreements both entered into on xxxxxx. One of the agreements show borrower with 51% interest and three additional members (minors), and the second agreement does not show borrower as a member but only includes the three minors. Application in file includes the 3 minors who are members on both operating agreements (all 3 under age 18) but names borrower as main borrower. Additional findings may apply. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2026 | Resolved-Operating agreement provided confirming 51% ownership. - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 05:26 | 2026-01-08 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy and paid receipt. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/08/2026 <br>Counter-Received HOI invoice. Missing final Hazard Insurance Policy. - Due Diligence Vendor-12/31/2025 <br>Open-Missing Hazard Insurance Policy File included insurance binder only. Audit included evidence from the binder. Premium noted on binder was not collected at closing per HUD-1. Additional findings may apply and DSCR may require recalculation upon receipt of policy. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received HOI policy and paid receipt. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 04:26 | 2026-01-06 09:34 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Access letter provided. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing access letter from the other 50% owner of the business for use of xxxxxx account ending xxxxxx, required by Guideline Section 11. Additional findings may apply since Audit used 100% of the balance for qualifying. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026 | Resolved-Access letter provided. - Due Diligence Vendor-01/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 03:18 | 2026-01-02 09:48 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received evidence 2025 re taxes were paid. - Due Diligence Vendor-01/02/2026 <br> Open-The subject property is not current on taxes. Missing evidence that 2025 4th quarter taxes were paid. Tax search shows that the 4th quarter taxes were due xxxxxx. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received evidence 2025 re taxes were paid. - Due Diligence Vendor-01/02/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853931 | xxxxxx D B A | Closed | xxxxxx | 2025-12-18 17:29 | 2025-12-18 17:32 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty is not allowed | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-12/18/2025 <br> Open-Per Client guidance, prepayment penalties are not allowed on loans vested to individuals in xxxxxx. and xxxxxx has to be in a corporations, C-Corp and S-Corp specifically. Subject borrower is LLC. - Due Diligence Vendor-12/18/2025 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-12/18/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853957 | xxxxxx C A | Closed | xxxxxx | 2026-01-26 11:55 | 2026-02-02 11:23 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-Received confirmation of sufficient xxxxxx insurance for State of xxxxxx. - Due Diligence Vendor-02/02/2026 <br> Open-xxxxxx Coverage not met. Project to meet all xxxxxx® insurance requirements for property, liability, and xxxxxx coverage per guidelines. Min coverage $xxxxxx not met - Due Diligence Vendor-01/26/2026 |  | Resolved-Received confirmation of sufficient xxxxxx insurance for State of xxxxxx. - Due Diligence Vendor-02/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 721; guidelines require 700 Required is 700 Borrower has 721<br>Months Reserves exceed minimum required - 8.59 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853983 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853999 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 10:13 | 2025-12-19 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-12/18/2025 <br>Open-BP affidavit is missing - Due Diligence Vendor-12/15/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 6 Borrower has 737<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854026 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854148 | xxxxxx C B A | Closed | xxxxxx | 2025-12-03 16:44 | 2025-12-08 12:10 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Foreign Nationals are allowed, uploaded matrix - Seller-12/05/2025 <br> Open-The borrowers are foreign nationals. Per the guidelines, foreign nationals are eligible under the DSCR matrix. However, the DSCR matrix does not reflect that foreign nationals are eligible on DSCR loans.<br> No Acceptable Product and not xxxxxx under this Matrix xxxxxx Guidelines 10.28.25<br> - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Foreign Nationals are allowed, uploaded matrix - Seller-12/05/2025 | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/08/2025<br>| Months Reserves exceed minimum required - 18 Months Reserves exceed minimum required of 3 months.<br>DSCR % greater than 1.20 - DSCR is 1.47 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854148 | xxxxxx C B A | Closed | xxxxxx | 2025-12-03 16:41 | 2025-12-04 15:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors, deemed non material due to one more managing member than allowed. - Due Diligence Vendor-12/04/2025 <br>Open-Per the guidelines, Entity is limited to a maximum of four (4) member(s) or manager(s). The business entity has 5 members, each owning 20%. - Due Diligence Vendor-12/03/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors, deemed non material due to one more managing member than allowed. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - 18 Months Reserves exceed minimum required of 3 months.<br>DSCR % greater than 1.20 - DSCR is 1.47 | Post closing Reserves >12 months.<br> Long Term Homeowner.<br> Experienced Investor. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 854157 | xxxxxx D A C | Closed | xxxxxx | 2025-12-03 15:26 | 2026-03-20 08:46 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-12/06/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. A third-party appraisal review product is required for all loans. Eligible third-party appraisal review products: <br> · Collateral Desktop Analysis (CDA) ordered from xxxxxx <br> · Appraisal Risk Review (ARR) ordered from xxxxxx - Due Diligence Vendor-12/03/2025 |  | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-12/06/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 29 months<br>Long term residence - Borrower has resided in primary residence for 5.5 years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 729 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854157 | xxxxxx D A C | Closed | xxxxxx | 2025-12-03 15:35 | 2025-12-19 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received xxxxxx Lease. - Due Diligence Vendor-12/19/2025 <br> Open-Missing monthly rental amount on lease for xxxxxx. DSCR to be recalculated once lease amount is verified. Additional findings may apply - Due Diligence Vendor-12/03/2025 |  | Resolved-Received xxxxxx Lease. - Due Diligence Vendor-12/19/2025 | Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 29 months<br>Long term residence - Borrower has resided in primary residence for 5.5 years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 729 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854182 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 15:45 | 2026-02-04 12:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Received Paystubs - Due Diligence Vendor-02/04/2026 <br> Open-Borrower 2 Paystubs Less Than 1 Month Provided 1) Provide paystub(s) for B2 from xxxxxx covering 1 month as W2 wages from business were needed to qualify and no paystubs were submitted.<br> 1) Provide additional paystub for B2 from xxxxxx. Only 1 biweekly stub was provided and paystubs must cover 1 month. - Due Diligence Vendor-01/29/2026 |  | Resolved-Received Paystubs - Due Diligence Vendor-02/04/2026<br>| Long term residence - Long Term Residence = 4+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 10+ Years – Minimum = 2 Years<br>Months Reserves exceed minimum required - <br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $19,615.92; minimum required NONE |  | 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 |
| 854182 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 17:37 | 2026-02-04 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Received Paystubs. - Due Diligence Vendor-02/04/2026 <br> Open-Borrower 1 Paystubs Missing Provide paystub(s) for B1 from xxxxxx covering 1 month as W2 wages from business were needed to qualify and no paystubs were submitted. - Due Diligence Vendor-01/29/2026 |  | Resolved-Received Paystubs. - Due Diligence Vendor-02/04/2026<br>| Long term residence - Long Term Residence = 4+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 10+ Years – Minimum = 2 Years<br>Months Reserves exceed minimum required - <br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $19,615.92; minimum required NONE |  | 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 |
| 854211 | xxxxxx C A | Closed | xxxxxx | 2025-12-06 12:33 | 2025-12-08 10:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the housing payment must be current within 45 days of application. - Due Diligence Vendor-12/08/2025 <br> Open-Missing proof xxxxxx October payment and due for November - Due Diligence Vendor-12/06/2025 |  | Resolved-After further review, the housing payment must be current within 45 days of application. - Due Diligence Vendor-12/08/2025<br>| Months Reserves exceed minimum required - Guidelines require 2 months reserves and the borrower has over 64 months verified<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854238 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854277 | xxxxxx C A | Closed | xxxxxx | 2025-12-22 14:29 | 2026-01-09 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Source of EMD provided. - Due Diligence Vendor-01/09/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Missing verification of source of the earnest money deposit. - Due Diligence Vendor-12/22/2025 |  | Resolved-Source of EMD provided. - Due Diligence Vendor-01/09/2026<br>| Months Reserves exceed minimum required - Long Term Residence = 22+ years<br>LTV is less than guideline maximum - Required is 65 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854277 | xxxxxx C A | Closed | xxxxxx | 2025-12-22 13:51 | 2026-01-09 16:16 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Source of EMD provided. - Due Diligence Vendor-01/09/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-207920.05'. Assets are Insufficient. Missing verification of the earnest money deposit in the amount of $233,600.00. - Due Diligence Vendor-12/22/2025 |  | Resolved-Source of EMD provided. - Due Diligence Vendor-01/09/2026<br>| Months Reserves exceed minimum required - Long Term Residence = 22+ years<br>LTV is less than guideline maximum - Required is 65 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854277 | xxxxxx C A | Closed | xxxxxx | 2025-12-22 13:10 | 2026-01-09 16:10 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-After further review, the condo questionnaire states once 90% of the units have been closed the turnover will begin. - Due Diligence Vendor-01/09/2026 <br> Open-Builder is in control of HOA Per the condo questionnaire dated 11/13/25 refelcts the xxxxxx si 100% complete, the appraisal states the developer is still in control of the HOA with no date listed when it will be transferred to the tenant owners. - Due Diligence Vendor-12/22/2025 |  | Resolved-After further review, the condo questionnaire states once 90% of the units have been closed the turnover will begin. - Due Diligence Vendor-01/09/2026 | Months Reserves exceed minimum required - Long Term Residence = 22+ years<br>LTV is less than guideline maximum - Required is 65 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854280 | xxxxxx C A | Closed | xxxxxx | 2025-12-17 22:56 | 2025-12-31 12:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received xxxxxx summary. - Due Diligence Vendor-12/31/2025 <br>Open-Audited Reserves of 3.71 month(s) are less than Guideline Required Reserves of 6 month(s). Short reserves by $3349.40. Please <br> provide documentation of additional assets. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received xxxxxx summary. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 814 Required is 700 Borrower has 814<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 2.729 Required is 0.75 Borrower has 2.729<br>LTV is less than guideline maximum - Required is 80 Borrower has 38.46 Required is 80 Borrower has 38.46 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854290 | xxxxxx C A | Closed | xxxxxx | 2025-12-11 17:45 | 2025-12-18 16:29 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-CPA letter provided to confirm the percentage of ownership. - Due Diligence Vendor-12/18/2025 <br> Counter-Received Warranty Deed. Missing documentation to confirm borrower's ownership in xxxxxx. - Due Diligence Vendor-12/17/2025 <br> Open-Property Title Issue Currently vested is xxxxxx, missing documentation to confirm borrower's ownership - Due Diligence Vendor-12/11/2025 |  | Resolved-CPA letter provided to confirm the percentage of ownership. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>Months Reserves exceed minimum required - 36.38 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854290 | xxxxxx C A | Closed | xxxxxx | 2025-12-08 11:58 | 2025-12-17 11:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit "A" included, but legal description is empty. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>Months Reserves exceed minimum required - 36.38 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854323 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 16:51 | 2026-02-04 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent increase notification 12/2024. - Due Diligence Vendor-02/04/2026 <br> Counter-Received Lease reflecting $2800 mo, email confirming $3000 month dated 2024, and Pay history reflecting $3050 monthly. Provide updated lease and/or updated email from Landlord confirming current rent and proof of source of payments. - Due Diligence Vendor-01/26/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing satisfactory 12 month verification of rent for borrower's primary residence - Due Diligence Vendor-01/20/2026 |  | Resolved-Received rent increase notification 12/2024. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804<br>Months Reserves exceed minimum required - Min 9, actual 43.25 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854323 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 16:53 | 2026-01-29 09:56 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received revised 1003 removing rental income from xxxxxx. - Due Diligence Vendor-01/29/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing Rental lease for property xxxxxx. Subject to additional conditions - Due Diligence Vendor-01/20/2026 |  | Resolved-Received revised 1003 removing rental income from xxxxxx. - Due Diligence Vendor-01/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804<br>Months Reserves exceed minimum required - Min 9, actual 43.25 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854361 | xxxxxx D A | Closed | xxxxxx | 2025-10-15 10:06 | 2025-11-07 17:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Counter-No document uploaded. Mortgage pg 304 of pdf in file missing Exhibit A referenced on pg 307. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Subject property is located in xxxxxx does not use Deeds of Trust - Seller-10/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Ready for Review-Subject property is located in xxxxxx. xxxxxx does not use Deeds of Trust - Seller-10/30/2025 | Resolved-Legal description provided. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 755; guidelines require 700. <br>Months Reserves exceed minimum required - 29.68 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854361 | xxxxxx D A | Closed | xxxxxx | 2025-10-16 17:53 | 2025-10-24 16:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-After further review, borrower signed the Note as an Individual. Guaranty agreement is not required. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Loan Agreement (aka Personal Guaranty aka Guaranty Agreement) was present in original closing package. Have uploaded with this comment. - Seller-10/23/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Personal Guarantee required per guidelines - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. Loan Agreement (aka Personal Guaranty aka Guaranty Agreement) was present in original closing package. Have uploaded with this comment. - Seller-10/23/2025 | Resolved-After further review, borrower signed the Note as an Individual. Guaranty agreement is not required. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 755; guidelines require 700. <br>Months Reserves exceed minimum required - 29.68 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854435 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 15:12 | 2026-02-27 11:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received proof of HOA - Due Diligence Vendor-02/27/2026 <br> Counter-No document received. Lender response "Please review the final page of the credit package.". Audit response- Please provide document to clear finding. Document not located in loan file. - Due Diligence Vendor-02/26/2026 <br> Open-Audited DTI of 51.54% exceeds Guideline DTI of 50% Audited DTI of 51.01% exceeds Guideline DTI of 50%. Due to using a higher HOA premium per the Condo Questionnaire. - Due Diligence Vendor-02/24/2026 |  | Resolved-Received proof of HOA - Due Diligence Vendor-02/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 810 and minimum allowed is 660. Required is 660 Borrower has 810<br>LTV is less than guideline maximum - LTV is 46.25% and max allowed is 90% Required is 90 Borrower has 42.53 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854435 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 14:59 | 2026-02-27 11:56 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received proof of HOA. - Due Diligence Vendor-02/27/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI does not meet guides. lender used HOA dues from appraisal. Per Questionnaire the dues are higher. - Due Diligence Vendor-02/25/2026 |  | Resolved-Received proof of HOA. - Due Diligence Vendor-02/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 810 and minimum allowed is 660. Required is 660 Borrower has 810<br>LTV is less than guideline maximum - LTV is 46.25% and max allowed is 90% Required is 90 Borrower has 42.53 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854435 | xxxxxx C B A | Closed | xxxxxx | 2026-02-23 13:25 | 2026-02-26 07:03 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/26/2026 <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-02/23/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 810 and minimum allowed is 660. Required is 660 Borrower has 810<br>LTV is less than guideline maximum - LTV is 46.25% and max allowed is 90% Required is 90 Borrower has 42.53 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854435 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 14:22 | 2026-02-25 10:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow Non Warrantable condo with deficiencies, Non-material waiver applied with comp factors. Deferred maintenance items are in process of repair by HOA and do not have any impact on subject unit or health and safety concerns. - Due Diligence Vendor-03/24/2026 <br> Open-Condo does not meet requirements. Project is xxxxxx unavailable due to xxxxxx. Missing copy of the xxxxxx xxxxxx. Lender Exception Approval with compensating factors in file to allow property eligibility. - Due Diligence Vendor-03/24/2026 |  | Waived-Client exception granted to allow Non Warrantable condo with deficiencies, Non-material waiver applied with comp factors. Deferred maintenance items are in process of repair by HOA and do not have any impact on subject unit or health and safety concerns. - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 810 and minimum allowed is 660. Required is 660 Borrower has 810<br>LTV is less than guideline maximum - LTV is 46.25% and max allowed is 90% Required is 90 Borrower has 42.53 | -LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> - Credit Score 30+ points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854439 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 17:17 | 2025-12-17 11:39 | Resolved | 1 - Information C A | Credit | Eligibility | PPP rider was not provided | Resolved-Upon further review, the PPP is written in the body of the Mortgage. - Due Diligence Vendor-12/17/2025 |  | Resolved-Upon further review, the PPP is written in the body of the Mortgage. - Due Diligence Vendor-12/17/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x99 exceeds 12 month mortgage history requirement<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 660 - actual FICO score is 709. Required is 660 Borrower has 709 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854439 | xxxxxx C A | Closed | xxxxxx | 2025-12-08 13:14 | 2025-12-17 11:29 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval - Due Diligence Vendor-12/17/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008 and conditional loan approval in file only contains basic terms (DSCR used not provided). - Due Diligence Vendor-12/09/2025 |  | Resolved-Received Approval - Due Diligence Vendor-12/17/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x99 exceeds 12 month mortgage history requirement<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 660 - actual FICO score is 709. Required is 660 Borrower has 709 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854439 | xxxxxx C A | Closed | xxxxxx | 2025-12-08 13:02 | 2025-12-17 11:28 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Less Than 2 Months Verified | Resolved-Received additional statements. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/17/2025 <br> Counter-The account is xxxxxx - Due Diligence Vendor-12/11/2025 <br> Open-Asset 4 Less Than 2 Months Verified 1 month's statement provided - guidelines require 2 month's statements - Due Diligence Vendor-12/08/2025 |  | Resolved-Received additional statements. - Due Diligence Vendor-12/17/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x99 exceeds 12 month mortgage history requirement<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 660 - actual FICO score is 709. Required is 660 Borrower has 709 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854457 | xxxxxx C B A | Closed | xxxxxx | 2025-12-09 13:11 | 2025-12-24 12:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client exception granted, waiver applied with comp factors. for Calculated DSCR of '0.713' is less than the minimum DSCR per lender guidelines of '0.75'. <br> - Due Diligence Vendor-12/24/2025 <br>Open-The Calculated DSCR of '0.713' is less than the minimum DSCR per lender guidelines of '0.75'. Originator DSCR Ratio .713. under min DSCR Ratio of .75 Originator only included Principal and Flood Insurance in the DSCR ratio calculation. Property taxes and Homeowners Insurance was not included in the lenders DSCR Ratio. - Due Diligence Vendor-12/11/2025 |  | Waived-Client exception granted, waiver applied with comp factors. for Calculated DSCR of '0.713' is less than the minimum DSCR per lender guidelines of '0.75'. <br> - Due Diligence Vendor-12/24/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 58.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805 | 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> 2 - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854457 | xxxxxx C B A | Closed | xxxxxx | 2025-12-11 17:21 | 2025-12-24 12:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Client exception granted, waiver applied with comp factors. <br> - Due Diligence Vendor-12/24/2025 <br>Open-Loan does not meet guideline requirements for loans listed for sale. Per guides Property must be taken off the market prior to the date of the application and a min 3 YR PPP when State permitted - Due Diligence Vendor-12/11/2025 |  | Waived-Client exception granted, waiver applied with comp factors. <br> - Due Diligence Vendor-12/24/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 58.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805 | 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> 2 - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854494 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854505 | xxxxxx D B A | Closed | xxxxxx | 2026-01-06 17:19 | 2026-02-05 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-After further review, the CPA letter is not required. The loan file contains an operating agreement confirming percentage of ownership and date business opened. - Due Diligence Vendor-02/05/2026 <br>Counter-Received business narrative. Provide tax preparer or other acceptable documentation confirming borrowers percentage of ownership, length and currently active. - Due Diligence Vendor-01/20/2026 <br>Open-Borrower 1 CPA Letter Missing Provide CPA letter verifying length of business ownership and current active employment. - Due Diligence Vendor-01/06/2026 |  | Resolved-After further review, the CPA letter is not required. The loan file contains an operating agreement confirming percentage of ownership and date business opened. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 727. Required is 680 Borrower has 727<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 12.62. Required is 50 Borrower has 12.62<br>LTV is less than guideline maximum - Required is 90. Borrower has 80. Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854505 | xxxxxx D B A | Closed | xxxxxx | 2026-01-05 15:07 | 2026-01-06 09:03 | 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-01/05/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 727. Required is 680 Borrower has 727<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 12.62. Required is 50 Borrower has 12.62<br>LTV is less than guideline maximum - Required is 90. Borrower has 80. Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854514 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 14:08 | 2026-02-12 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Mortgage statement confirming 11/1 payment. - Due Diligence Vendor-02/12/2026 <br> Counter-Received statements confirming 10/1 payment made. Missing confirmation 11/1 payment made. - Due Diligence Vendor-02/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements- missing mortgage payment being made for 10/1 and 11/1 for primary residence. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received Mortgage statement confirming 11/1 payment. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683<br>LTV is less than guideline maximum - Required is 70 Borrower has 62.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45 |  | 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 |
| 854514 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 14:01 | 2026-01-20 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received xxxxxx license validation. - Due Diligence Vendor-01/20/2026 <br> Counter-Received xxxxxx letter confirming employment, ownership. Missing xxxxxx license validation. - Due Diligence Vendor-01/14/2026 <br> Open-Borrower 1 CPA Letter Missing CPA letter provided- Missing CPA Verification to verify tax preparer- Confirmation they prepared the most recent 2 years of business tax return filing; and - The business name, borrower's name, and percentage of business ownership by the borrower. <br> - Due Diligence Vendor-01/08/2026 |  | Resolved-Received xxxxxx license validation. - Due Diligence Vendor-01/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683<br>LTV is less than guideline maximum - Required is 70 Borrower has 62.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45 |  | 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 |
| 854514 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 13:42 | 2026-01-16 09:35 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation of payoff of judgment. - Due Diligence Vendor-01/16/2026 <br>Open-Property Title Issue- item #9 judgement $10,412.42. Supplement indicates removal; however, no proof the judgment was paid or is not the borrower. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received confirmation of payoff of judgment. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683<br>LTV is less than guideline maximum - Required is 70 Borrower has 62.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45 |  | 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 |
| 854549 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854608 | xxxxxx D B A | Closed | xxxxxx | 2025-12-24 15:34 | 2025-12-24 15:34 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Waived-Documentation supports loan being an investment property, not for personal use - Due Diligence Vendor-12/24/2025 <br>Open-Documentation supports loan being an investment property, not for personal use. - Due Diligence Vendor-12/24/2025 |  | Waived-Documentation supports loan being an investment property, not for personal use - Due Diligence Vendor-12/24/2025<br>| LTV is less than guideline maximum - LTV of 60% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 790 which exceeds the minimum of 640 Required is 640 Borrower has 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854613 | xxxxxx C A | Closed | xxxxxx | 2025-12-08 13:57 | 2025-12-17 10:59 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Upon further review, borrower is a non-permanent resident and has lived in the xxxxxx for the passed 4 years. - Due Diligence Vendor-12/17/2025 <br> Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-12/10/2025 |  | Resolved-Upon further review, borrower is a non-permanent resident and has lived in the xxxxxx for the passed 4 years. - Due Diligence Vendor-12/17/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 765 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854661 | xxxxxx D B A | Closed | xxxxxx | 2025-12-29 16:00 | 2026-01-27 15:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted to allow 1.2 months with 6 months required. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/27/2026 <br> Counter-Received comment from lender indicating funds were sufficient at close. Accounts provided did not reflect $8744.644 noted by lender. Please provide noted statement. - Due Diligence Vendor-01/09/2026 <br> Counter-No document provided. Received comment " This is a combined settlement with both buyer and seller signature.". Assets are insufficient with total settlement noted. - Due Diligence Vendor-01/06/2026 <br> Counter-Client comments - Due from settlement: $157,355.96. Liquidity (xxxxxx Nov 14): $177,669.94 xxxxxx. PITIA: $1,16.89. Reserves: 12.56 months - AUDIT response. After $157,355.96 the balance on 12/15/2025 for xxxxxx is $2,000.64. Finding remains. - Due Diligence Vendor-01/05/2026 <br> Open-Audited Reserves of 1.2 month(s) are less than Guideline Required Reserves of 6 month(s) 6 months required. borrower has 1.2 months of reserves - Due Diligence Vendor-12/29/2025 |  | Waived-Client exception granted to allow 1.2 months with 6 months required. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/27/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 50<br>DSCR % greater than 1.20 - Min 1, actual 1.391 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.3 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854661 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 09:56 | 2026-01-27 15:48 | Resolved | 1 - Information C A | Credit | Debt | Mortgage history for primary residence less than 12 months | Resolved-Upon further review the loan application in file reflects the foreign primary address. - Due Diligence Vendor-01/27/2026 <br> Counter-Received LOX. Missing updated 1003. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Counter-While a housing history is not required for a Foreign National, the guidelines state First Time Homebuyers are not eligible. Borrower states on the 1003 a xxxxxx address owned by the borrower as a primary residence. - Due Diligence Vendor-01/05/2026 <br> Open-For a First Time investor must currently own a primary residence for at least one year. No proof in loan file that the borrower has owned his primary for at least 1 year. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-01/26/2026 | Resolved-Upon further review the loan application in file reflects the foreign primary address. - Due Diligence Vendor-01/27/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 50<br>DSCR % greater than 1.20 - Min 1, actual 1.391 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854661 | xxxxxx D B A | Closed | xxxxxx | 2025-12-29 15:18 | 2026-01-02 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider is Missing PUD language within the mortgage. - Due Diligence Vendor-01/02/2026 <br>Open-PUD Rider is Missing not provided - Due Diligence Vendor-12/29/2025 |  | Resolved-PUD Rider is Missing PUD language within the mortgage. - Due Diligence Vendor-01/02/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 50<br>DSCR % greater than 1.20 - Min 1, actual 1.391 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854661 | xxxxxx D B A | Closed | xxxxxx | 2025-12-29 15:50 | 2026-01-02 16:18 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Upon further review, the Seller's HUD is in the loan file. - Due Diligence Vendor-01/02/2026 <br>Open-The Final SELLER CD/HUD is missing. not provided - Due Diligence Vendor-12/29/2025 |  | Resolved-Upon further review, the Seller's HUD is in the loan file. - Due Diligence Vendor-01/02/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 50<br>DSCR % greater than 1.20 - Min 1, actual 1.391 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854813 | xxxxxx D A | Closed | xxxxxx | 2025-12-10 18:01 | 2025-12-22 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report provided. - Due Diligence Vendor-12/22/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/10/2025 |  | Resolved-Fraud report provided. - Due Diligence Vendor-12/22/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.399 Required is 0.75 Borrower has 1.399<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752 Required is 700 Borrower has 752 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854813 | xxxxxx D A | Closed | xxxxxx | 2025-12-10 18:59 | 2025-12-16 12:07 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval. - Due Diligence Vendor-12/16/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/10/2025 |  | Resolved-Received approval. - Due Diligence Vendor-12/16/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.399 Required is 0.75 Borrower has 1.399<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752 Required is 700 Borrower has 752 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854813 | xxxxxx D A | Closed | xxxxxx | 2025-12-10 18:18 | 2025-12-16 12:06 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Cash out letter. - Due Diligence Vendor-12/16/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received Cash out letter. - Due Diligence Vendor-12/16/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.399 Required is 0.75 Borrower has 1.399<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752 Required is 700 Borrower has 752 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854822 | xxxxxx C B A | Closed | xxxxxx | 2026-01-08 15:39 | 2026-01-09 09:11 | Waived | 2 - Non-Material C B | Property | Property | Homeowners Association not meeting Guidelines | Waived-Client waiver applied to non material finding with comp factors. HOA carries over $2,000,000 in reserves to cover shortfall of inflation guard. - Due Diligence Vendor-03/23/2026 <br> Open-Exception: ALLOW PROJECT NOT HAVE INFLATION GUARD DUE TO HOA DECLINING COVERAGE – COVERAGE IS REQUIRED PERIL UNLESS UNAVAILABLE FOR THE AREA. Non-material with compensating factors. - Due Diligence Vendor-01/09/2026 |  | Waived-Client waiver applied to non material finding with comp factors. HOA carries over $2,000,000 in reserves to cover shortfall of inflation guard. - Due Diligence Vendor-03/23/2026 | LTV is less than guideline maximum - Required is 75. Borrower has 70. Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 771. Required is 680 Borrower has 771 | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 2 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854927 | xxxxxx D A | Closed | xxxxxx | 2026-01-06 18:55 | 2026-02-18 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Proof of self-employment provided. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Counter- No document received. Note indicate see attached. No new document provided in file uploads. - Due Diligence Vendor-02/18/2026 <br> Counter-Tax preparer letter provided, however it does not confirm the existence for 2 years and does not include the EA number. - Due Diligence Vendor-02/06/2026 <br> Counter-Review did not receive an upload. Please re upload - Due Diligence Vendor-02/05/2026 <br> Counter-Received EA letter. Missing EA license number on letter dated xxxxxx - Due Diligence Vendor-02/04/2026 <br> Counter-Received an email. Please address original finding. - Due Diligence Vendor-01/28/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing The guidelines state third-party verification is required (CPA/Tax Preparer letter, confirmation from regulatory or state agency, or applicable licensing bureau). The borrower must own at least 25% of the business and the business must have been in existence for at least 2 years. The tax filing ceritificate in the file is dated xxxxxx and does not verify 2 years. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026 | Resolved-Proof of self-employment provided. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 804. Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Required is 85. Borrower has 19.2. Required is 85 Borrower has 19.2<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 9.8. Required is 50 Borrower has 9.8 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854927 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 08:29 | 2026-02-04 11:52 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received REO validation. - Due Diligence Vendor-02/04/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing HOI for REO xxxxxx and xxxxxx listed on the loan application. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received REO validation. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 804. Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Required is 85. Borrower has 19.2. Required is 85 Borrower has 19.2<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 9.8. Required is 50 Borrower has 9.8 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854927 | xxxxxx D A | Closed | xxxxxx | 2026-01-06 18:49 | 2026-02-04 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received corrected final 1003 - Due Diligence Vendor-02/04/2026 <br> Counter-Received property profile confirming xxxxxx sold. Provide updated 1003 removing xxxxxx - Due Diligence Vendor-01/29/2026 <br> Counter-Received HOI for xxxxxx missing HOI for xxxxxx. - Due Diligence Vendor-01/27/2026 <br> Open-Missing HOI for REO xxxxxx and xxxxxx listed on the loan application. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received corrected final 1003 - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 804. Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Required is 85. Borrower has 19.2. Required is 85 Borrower has 19.2<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 9.8. Required is 50 Borrower has 9.8 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854927 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 07:39 | 2026-01-20 11:44 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/20/2026 <br> Open-Property Title Issue Title commitment reflects xxxxxx. Need updated commitment to reflect xxxxxx. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 804. Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Required is 85. Borrower has 19.2. Required is 85 Borrower has 19.2<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 9.8. Required is 50 Borrower has 9.8 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854927 | xxxxxx D A | Closed | xxxxxx | 2026-01-06 19:03 | 2026-01-16 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-01/16/2026 <br>Open-Missing Third Party Fraud Report The loan file is missing the third-party fraud report. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received fraud report. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 804. Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Required is 85. Borrower has 19.2. Required is 85 Borrower has 19.2<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 9.8. Required is 50 Borrower has 9.8 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854980 | xxxxxx C A | Closed | xxxxxx | 2025-12-19 14:28 | 2025-12-24 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received CD for a cash out of non-subject. Audited Reserves of 15.82 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-12/24/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Provide additional assets to cover reserve requirement. - Due Diligence Vendor-12/19/2025 |  | Resolved-Received CD for a cash out of non-subject. Audited Reserves of 15.82 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 791 Required is 640 Borrower has 791<br>LTV is less than guideline maximum - Required is 80 Borrower has 60 Required is 80 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854980 | xxxxxx C A | Closed | xxxxxx | 2025-12-19 16:01 | 2025-12-24 11:04 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Addendum - Due Diligence Vendor-12/24/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Provide Purchase Addendum to support purchase price of xxxxxx. - Due Diligence Vendor-12/19/2025 |  | Resolved-Received Addendum - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 791 Required is 640 Borrower has 791<br>LTV is less than guideline maximum - Required is 80 Borrower has 60 Required is 80 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854980 | xxxxxx C A | Closed | xxxxxx | 2025-12-19 14:20 | 2025-12-24 11:03 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-12/24/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Provide evidence of secured borrowed funds in amount of $313,000 as listed on 1003. - Due Diligence Vendor-12/19/2025 |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 791 Required is 640 Borrower has 791<br>LTV is less than guideline maximum - Required is 80 Borrower has 60 Required is 80 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854980 | xxxxxx C A | Closed | xxxxxx | 2025-12-19 14:20 | 2025-12-24 11:03 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received CD, reserves 15.8 months - Due Diligence Vendor-03/23/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-233598.06'. Assets are Insufficient. Currently short reserve - $9,480.28. Provide additional assets. - Due Diligence Vendor-12/19/2025 |  | Resolved-Received CD, reserves 15.8 months - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 791 Required is 640 Borrower has 791<br>LTV is less than guideline maximum - Required is 80 Borrower has 60 Required is 80 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854983 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854987 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854999 | xxxxxx C B A | Closed | xxxxxx | 2025-12-03 05:36 | 2026-02-06 10:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Document Uploaded. Originator waiver applied to non-material finding with compensating factors. Exception for reserves shortage. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. exception approval report from the investor. - Seller-02/02/2026 <br>Counter-Received exception with 3 months reserves. Exception received does not reflect the borrowers name nor subject property. Provide corresponding exception request. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. The investor granted the exception. - Seller-01/29/2026 <br>Open-Provide additional assets to cover Guideline Required Reserves of 4 months - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. exception approval report from the investor. - Seller-02/02/2026 <br> Ready for Review-Document Uploaded. The investor granted the exception. - Seller-01/29/2026 | Waived-Document Uploaded. Originator waiver applied to non-material finding with compensating factors. Exception for reserves shortage. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687<br>Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months | employed >2 years<br> 0x30x24<br> 687 fico, 660 required. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 854999 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 20:20 | 2025-11-26 20:41 | 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-11/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687<br>Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 855112 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 18:52 | 2026-02-23 10:57 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, inquires made on 11/18 all related to this transaction and pulls were from lender - Due Diligence Vendor-02/23/2026 <br>Open-LOX for credit inquiries is missing. File does not contain LOX for credit inquiries. - Due Diligence Vendor-02/18/2026 |  | Resolved-Upon further review, inquires made on 11/18 all related to this transaction and pulls were from lender - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.1 Required is 50 Borrower has 30.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 Required is 700 Borrower has 798 |  | 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 |
| 855150 | xxxxxx C B A | Closed | xxxxxx | 2026-02-12 12:50 | 2026-02-17 09:34 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Net income did not decrease in 2025. Please review the income calculation that was submitted. - Seller-02/12/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Net income decreased from 2024 to 2025 with no explanation given. - Due Diligence Vendor-02/12/2026 | Ready for Review-Net income did not decrease in 2025. Please review the income calculation that was submitted. - Seller-02/12/2026 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.71<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $43K residual income |  | 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 |
| 855150 | xxxxxx C B A | Closed | xxxxxx | 2026-02-12 12:31 | 2026-02-17 09:33 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Received confirmation net income is not decreasing and only lower by 5%. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Net income did not decrease.<br> Please review the income calculation that was submitted. - Seller-02/12/2026 <br>Open-Income 1 Income Trend is Decreasing Net income decreased from 2024 to 2025 with no explanation given. - Due Diligence Vendor-02/12/2026 | Ready for Review-Net income did not decrease.<br> Please review the income calculation that was submitted. - Seller-02/12/2026 | Resolved-Received confirmation net income is not decreasing and only lower by 5%. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.71<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $43K residual income |  | 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 |
| 855150 | xxxxxx C B A | Closed | xxxxxx | 2026-02-12 12:46 | 2026-02-17 09:12 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received escrow receipts of gift funds. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing proof of gift funds being transferred from the donor to the escrow company. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 | Resolved-Received escrow receipts of gift funds. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.71<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $43K residual income |  | 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 |
| 855150 | xxxxxx C B A | Closed | xxxxxx | 2026-02-12 10:28 | 2026-02-17 09:10 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, the loan file contained all required gap credit within 30 days of closing, per guidelines. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 19 days old - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 | Resolved-Upon further review, the loan file contained all required gap credit within 30 days of closing, per guidelines. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.71<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $43K residual income |  | 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 |
| 855150 | xxxxxx C B A | Closed | xxxxxx | 2026-02-09 08:01 | 2026-02-13 08:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Right of Rescission is Not Executed | Resolved------Receive executed Right of Rescission . Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Open-Right of Rescission is Not Executed Provide executed copy of ROR form. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 | Resolved------Receive executed Right of Rescission . Finding resolved. - Due Diligence Vendor-02/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.71<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $43K residual income |  | 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 |
| 855150 | xxxxxx C B A | Closed | xxxxxx | 2026-02-12 11:30 | 2026-02-12 12:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client exception granted to allow 718 FICO. Non-material waiver applied with comp factors. Deemed non-material due to FICO is only 2 points below the required. - Due Diligence Vendor-02/12/2026 <br>Open-Audited FICO of 718 is less than Guideline FICO of 720 Requires 720 score, borrower has 718 - Due Diligence Vendor-02/12/2026 |  | Waived-Client exception granted to allow 718 FICO. Non-material waiver applied with comp factors. Deemed non-material due to FICO is only 2 points below the required. - Due Diligence Vendor-02/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.71<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $43K residual income | DTI <= 36% which is below requirement in guidelines<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 | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855150 | xxxxxx C B A | Closed | xxxxxx | 2026-02-12 12:43 | 2026-02-12 12:52 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client waiver applied to non material finding, income was averaged over 24 months and still qualifies. - Due Diligence Vendor-02/12/2026 <br>Open-23 months P&L - Due Diligence Vendor-02/12/2026 |  | Waived-Client waiver applied to non material finding, income was averaged over 24 months and still qualifies. - Due Diligence Vendor-02/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.71<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $43K residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855166 | xxxxxx C A | Closed | xxxxxx | 2025-12-19 21:11 | 2025-12-22 16:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-After further review, the max LTV for a DSCR <1 is 75%. - Due Diligence Vendor-12/22/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 65% DSCR below 1 has maximum LTV of 65% - Due Diligence Vendor-12/20/2025 |  | Resolved-After further review, the max LTV for a DSCR <1 is 75%. - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 732 Required is 680 Borrower has 732<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 70.13 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855167 | xxxxxx C B A | Closed | xxxxxx | 2026-01-27 08:10 | 2026-02-12 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated income provided. - Due Diligence Vendor-02/12/2026 <br> Counter-Received duplicate documents. Review of upload pg 25 of 110 indicate borrowers own only 49% of xxxxxx. Review of upload did not reveal any formation documentation from xxxxxx to confirm ownership. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/09/2026 <br> Counter-Received LOE. LOE in file indicated Borrowers owns only 49% of xxxxxx. The bank statements provided are from xxxxxx. Borrower owns 100% of xxxxxx which only have 49% of xxxxxx. - Due Diligence Vendor-01/30/2026 <br> Open-Audited DTI of 80.08% exceeds Guideline DTI of 50% Income was calculated incorrectly. It appears lender used 100% of income calculated from bank statements. CPA letter in file states between the borrower and the co- borrower the own 49% of the business. - Due Diligence Vendor-01/27/2026 |  | Resolved-Updated income provided. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766 Required is 660 Borrower has 766<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.65 Required is 80 Borrower has 66.65 |  | 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 |
| 855167 | xxxxxx C B A | Closed | xxxxxx | 2026-01-21 17:15 | 2026-01-21 17:39 | 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-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766 Required is 660 Borrower has 766<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.65 Required is 80 Borrower has 66.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855298 | xxxxxx C B A | Closed | xxxxxx | 2026-01-28 07:21 | 2026-03-20 16:34 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-----Received CD with print date of xxxxxx. Finding Resolved. - Due Diligence Vendor-03/20/2026 <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:"xxxxxx 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.<br>\*\*\*The APR of 9.412% on CD xxxxxx changed to 9.115% on final CD xxxxxx without a new three day waiting period. - Due Diligence Vendor-03/20/2026 |  | Resolved-----Received CD with print date of xxxxxx. Finding Resolved. - Due Diligence Vendor-03/20/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - residual income of $7,082.44 is =/> 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855298 | xxxxxx C B A | Closed | xxxxxx | 2026-01-28 07:51 | 2026-02-10 07:34 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received CD to go with COC finding Resolved. - Due Diligence Vendor-02/10/2026 <br> Counter-----Received COC dated xxxxxx, need copy of CD within 3 days of COC. Finding Remains. - Due Diligence Vendor-02/06/2026 <br> Open-\*\*\*\*\*NEW\*\*\*\*\*-----Lender credit decreased from $7,73.75 to $99.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $7,614.75, 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.<br> - Due Diligence Vendor-01/28/2026 |  | Resolved-----Received CD to go with COC finding Resolved. - Due Diligence Vendor-02/10/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - residual income of $7,082.44 is =/> 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855298 | xxxxxx C B A | Closed | xxxxxx | 2026-01-28 07:21 | 2026-02-10 07:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-------Received CD to go with COC's. Finding Resolved. - Due Diligence Vendor-02/10/2026 <br> Counter-----Received COC dated xxxxxx, need copy of CD within 3 days of COC. Finding Remains. - Due Diligence Vendor-02/06/2026 <br> Open-\*\*\*\*NEW\*\*\*\*\*----Zero (0%) tolerance fees increased by $3,362.19 (Discount Points, Mortgage Broker Fee, and Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $3,263.19, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx.. This does include the $99.00 lender credit on the final CD. - Due Diligence Vendor-01/28/2026 |  | Resolved-------Received CD to go with COC's. Finding Resolved. - Due Diligence Vendor-02/10/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - residual income of $7,082.44 is =/> 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855298 | xxxxxx C B A | Closed | xxxxxx | 2026-01-27 06:31 | 2026-01-29 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The loan requires 6 months of reserves. - Due Diligence Vendor-01/29/2026 <br>Open-Audited Reserves of 6.57 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-01/27/2026 |  | Resolved-The loan requires 6 months of reserves. - Due Diligence Vendor-01/29/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - residual income of $7,082.44 is =/> 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855298 | xxxxxx C B A | Closed | xxxxxx | 2026-01-21 10:50 | 2026-01-28 08:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/28/2026 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-01/21/2026 |  | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/28/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - residual income of $7,082.44 is =/> 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855298 | xxxxxx C B A | Closed | xxxxxx | 2026-01-28 07:21 | 2026-01-28 07:52 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-01/30/2026 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $530,084.73. The disclosed finance charge of $529,884.98 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-01/28/2026 |  | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-01/30/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - residual income of $7,082.44 is =/> 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855298 | xxxxxx C B A | Closed | xxxxxx | 2026-01-21 09:52 | 2026-01-21 10:54 | 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-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - residual income of $7,082.44 is =/> 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 |  | 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 |
| 855322 | xxxxxx C A | Closed | xxxxxx | 2026-02-04 15:48 | 2026-02-05 13:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Clear copy of the Mortgage was provided. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. the address is spelled correctly its just a glitch on the documents - i had checked that as well at time of underwriting - its the way the letters are printing on the documents. splitting the document after having title scan a more legible copy to us - xxxxxx !<br> - Seller-02/04/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage city is spelled incorrectly. City should read xxxxxx. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. the address is spelled correctly its just a glitch on the documents - i had checked that as well at time of underwriting - its the way the letters are printing on the documents. splitting the document after having title scan a more legible copy to us - xxxxxx !<br> - Seller-02/04/2026 | Resolved-Clear copy of the Mortgage was provided. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 803 and minimum allowed is 680<br> Required is 680 Borrower has 803<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement bt 0x30>than 84 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855322 | xxxxxx C A | Closed | xxxxxx | 2026-02-04 15:47 | 2026-02-05 13:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Clear copy of the note was provided. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. same issue on this one - i thought it was a typo as well and had a more clear copy sent to us from notary. xxxxxx ! - Seller-02/04/2026 <br> Open-There are Issues Present on the Note that must be addressed. Note city is spelled incorrectly. City should read xxxxxx. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. same issue on this one - i thought it was a typo as well and had a more clear copy sent to us from notary. xxxxxx ! - Seller-02/04/2026 | Resolved-Clear copy of the note was provided. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 803 and minimum allowed is 680<br> Required is 680 Borrower has 803<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement bt 0x30>than 84 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855448 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 13:30 | 2026-02-04 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received complete HOI - Due Diligence Vendor-02/04/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Premium missing from HOI policy - Due Diligence Vendor-01/12/2026 |  | Resolved-Received complete HOI - Due Diligence Vendor-02/04/2026<br>| Months Reserves exceed minimum required - 10.7 mos reserves available and 6 mos req per guides<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.188 Required is 0.75 Borrower has 1.188 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855448 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 09:19 | 2026-01-16 10:39 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan approval. - Due Diligence Vendor-01/16/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-01/12/2026 |  | Resolved-Received loan approval. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - 10.7 mos reserves available and 6 mos req per guides<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.188 Required is 0.75 Borrower has 1.188 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855448 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 09:14 | 2026-01-16 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller cd. - Due Diligence Vendor-01/16/2026 <br>Open-The Final SELLER CD/HUD is missing. Missing from file - Due Diligence Vendor-01/12/2026 |  | Resolved-Received seller cd. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - 10.7 mos reserves available and 6 mos req per guides<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.188 Required is 0.75 Borrower has 1.188 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855448 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 09:01 | 2026-01-12 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-After further review, the credit report was in the original zip file. - Due Diligence Vendor-01/12/2026 <br>Open-Borrower 1 Credit Report is Missing. Credit report not provided. Subject to additional conditions - Due Diligence Vendor-01/12/2026 |  | Resolved-After further review, the credit report was in the original zip file. - Due Diligence Vendor-01/12/2026<br>| Months Reserves exceed minimum required - 10.7 mos reserves available and 6 mos req per guides<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.188 Required is 0.75 Borrower has 1.188 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855464 | xxxxxx C A | Closed | xxxxxx | 2026-01-22 15:03 | 2026-02-05 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Note. - Due Diligence Vendor-02/05/2026 <br> Counter-Please provide the Mortgage Note required since omitting the liability. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Per Client: Our guidelines require VOM for 12 months mortgage ratings + 6 months' payment proof if the mortgage lender is a private just like this case (the borrower owns primary but no mortgage repayment obligation). The guidelines describe that 12 months' cancelled checks, ACH payments, bank statements, and mortgage statements may be acceptable sources to meet the requirement alternatively. This is obviously applicable because such documents contain proof that the mortgages were paid on time for 12 months, so the documents verifies both 12 months' mortgage ratings and 12 months' payment histories. - Due Diligence Vendor-01/27/2026 <br> Counter-Received duplicate 12 month mortgage statements. Guideline 5.9 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 are required. (Note: Mortgage Note required if omitting liability). Finding remains. - Due Diligence Vendor-01/26/2026 <br> Open-Housing History Does Not Meet Guideline Requirements As the borrower is on Title only of the primary residence (xxxxxx) and mortgage obligation is under a third party (spouse xxxxxx) - 6 month payment proof & copy of mortgage note is required as liability is omitted. Currently only 12 mos of mtg stmts are provided. - Due Diligence Vendor-01/22/2026 |  | Resolved-Received Note. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 813<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.53 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 16:24 | 2026-01-27 14:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-1120-S tax returns reflect the borrower's business paying the housing. - Due Diligence Vendor-01/27/2026 <br> Counter-Received LOX that borrower has been living at xxxxxx rent free and not an alternate address. To exclude expense need proof the business has been paying this for 12 months. Finding remains. - Due Diligence Vendor-01/21/2026 <br> Counter-Application reflects 8 years at address. Provide processor cert confirming time residing and at business with no additional expenses. - Due Diligence Vendor-01/14/2026 <br> Counter-Received 1003 noting no housing expense. Missing a complete 12 month history for xxxxxx or provide a LOE if living rent free. - Due Diligence Vendor-01/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements. Missing a complete 12 month history for xxxxxx or provide a LOE if living rent free. - Due Diligence Vendor-12/17/2025 |  | Resolved-1120-S tax returns reflect the borrower's business paying the housing. - Due Diligence Vendor-01/27/2026<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 16:24 | 2026-01-27 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, a gap credit report is not required per guidelines. - Due Diligence Vendor-01/05/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. The Gap Report is required. - Due Diligence Vendor-12/17/2025 |  | Resolved-Upon further review, a gap credit report is not required per guidelines. - Due Diligence Vendor-01/05/2026<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 16:49 | 2026-01-14 12:17 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received appraisal and secondary valuation. - Due Diligence Vendor-01/14/2026 <br>Counter-Pending confirmation of of Primary Value and secondary valuation. - Due Diligence Vendor-01/09/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan.Appraisal is Missing. The Appraisal is required. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received appraisal and secondary valuation. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 15:11 | 2026-01-14 12:10 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal, subject is new construction. - Due Diligence Vendor-01/14/2026 <br> Counter-Received Appraisal submitted as Appraisal 2. Appraisal noted is dated xxxxxx. Appraisal dates would make this appraisal the primary and Secondary valuation is required. Finding remains. - Due Diligence Vendor-01/09/2026 <br> Open-Appraisal is Missing Secondary valuation is also missing. - Due Diligence Vendor-12/19/2025 |  | Resolved-Received Appraisal, subject is new construction. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 17:23 | 2026-01-14 12:08 | 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-01/14/2026 <br>Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements. Missing secondary valuation to support the appraised value. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 16:29 | 2026-01-14 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received copy of recorded Quit Claim Deed - Due Diligence Vendor-01/14/2026 <br> Counter-No document provided. Please provide missing letter of explanation for REO xxxxxx The Fraud Report reflects owned by borrower. - Due Diligence Vendor-01/09/2026 <br> Open-Missing letter of explanation for REO xxxxxx The Fraud Report reflects owned by borrower. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received copy of recorded Quit Claim Deed - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 15:16 | 2026-01-09 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/09/2026 <br>Open-Missing Flood Certificate. The Flood Certificate is required. - Due Diligence Vendor-12/17/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-11 14:06 | 2026-01-09 07:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received the Final 1003. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br>Open-The Final 1003 is Missing Missing 1003 executed on settlement date - Due Diligence Vendor-12/11/2025 |  | Resolved-Received the Final 1003. Finding Resolved. - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-31 14:43 | 2026-01-06 13:02 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Document Uploaded. PDI has been received. No damage noted. - Due Diligence Vendor-01/06/2026 <br>Counter-PDI has been ordered - Due Diligence Vendor-12/31/2025 <br>Open-FEMA disaster after appraisal without a Individual PDI or 1004D. - Due Diligence Vendor-12/31/2025 |  | Resolved-Document Uploaded. PDI has been received. No damage noted. - Due Diligence Vendor-01/06/2026<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-31 14:43 | 2026-01-06 13:01 | Resolved | 1 - Information B A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-PDI has been received. No damage noted. - Due Diligence Vendor-01/06/2026 <br>Counter-PDI has been ordered - Due Diligence Vendor-12/31/2025 <br>Open-FEMA disaster after appraisal without a Public PDI or 1004D. - Due Diligence Vendor-12/31/2025 |  | Resolved-PDI has been received. No damage noted. - Due Diligence Vendor-01/06/2026<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855552 | xxxxxx D B A | Closed | xxxxxx | 2025-12-11 14:14 | 2025-12-11 14:14 | 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-12/11/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-12/11/2025<br>| LTV is less than guideline maximum - LTV 49.02% is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Investor Post-Close | No | xxxxxx |
| 855553 | xxxxxx D A C | Closed | xxxxxx | 2025-12-31 14:47 | 2026-03-20 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Upon further review, appraisal received states the report was completed retroactive as it was a modification of construction to Perm. Final 1004D shows home was completed to plans and specs from original appraisal and no damage from any storms. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-• This is a construction to perm loan:<br> o Appraisal 1 you have that is xxxxxx<br> o CTP Loan closed on xxxxxx (appraisal was less than 30 days old at time of closing) (Not 393 Days)<br> o File MODIFIED on xxxxxx<br> o FINAL 1004D was uploaded to show the home was complete and no decline of market<br> • Appraisal 2 (retroactive) was one we had ordered before I reviewed this condition to know it was incorrect.<br> - Due Diligence Vendor-01/27/2026 <br> Counter-Documentation was not attached. - Due Diligence Vendor-01/21/2026 <br> Counter-Documentation was not attached. - Due Diligence Vendor-01/16/2026 <br> Counter-Received not from lender that appraisal was valid at time of closing. Appraisal in file was completed xxxxxx and file closed 393 days later on xxxxxx. Finding remains. - Due Diligence Vendor-01/14/2026 <br> Counter-Received not from lender that appraisal was valid at time of closing. Appraisal in file was completed xxxxxx and file closed 393 days later on xxxxxx. Finding remains. - Due Diligence Vendor-01/09/2026 <br> Open-Primary Value Appraisal is Expired - Due Diligence Vendor-12/31/2025 |  | Resolved-Upon further review, appraisal received states the report was completed retroactive as it was a modification of construction to Perm. Final 1004D shows home was completed to plans and specs from original appraisal and no damage from any storms. - Due Diligence Vendor-01/28/2026<br>| Additional assets not used to qualify - Additional assets were provided and reserves not needed.<br>Verified employment history exceeds guidelines - Min 2 years, actual 14 years verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855553 | xxxxxx D A C | Closed | xxxxxx | 2025-12-16 09:37 | 2026-03-20 15:47 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Received revised appraisal. Appraiser states - The site has rural characteristics within a xxxxxx setting - Due Diligence Vendor-01/23/2026 <br> Counter-Documentation was not attached. - Due Diligence Vendor-01/21/2026 <br> Counter-Received notes from originator all CTP mod have correct address. Finding remains. - Due Diligence Vendor-01/13/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural properties are ineligible. Provide supporting evidence that property is not a rural property. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received revised appraisal. Appraiser states - The site has rural characteristics within a xxxxxx setting - Due Diligence Vendor-01/23/2026 | Additional assets not used to qualify - Additional assets were provided and reserves not needed.<br>Verified employment history exceeds guidelines - Min 2 years, actual 14 years verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855553 | xxxxxx D A C | Closed | xxxxxx | 2025-12-16 09:37 | 2026-03-20 08:58 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO supporting value. - Due Diligence Vendor-01/14/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Provide either enhanced desk review; Field review/second appraisal; or BPO. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received BPO supporting value. - Due Diligence Vendor-01/14/2026<br>| Additional assets not used to qualify - Additional assets were provided and reserves not needed.<br>Verified employment history exceeds guidelines - Min 2 years, actual 14 years verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855553 | xxxxxx D A C | Closed | xxxxxx | 2025-12-16 11:46 | 2026-01-27 14:51 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Expired | Resolved-Asset 6 was not required (xxxxxx account was accidentally labeled xxxxxx in the AUS). - Due Diligence Vendor-01/27/2026 <br> Counter-Documentation was not attached. - Due Diligence Vendor-01/21/2026 <br> Counter-Provide exception approval for expired asset. - Due Diligence Vendor-12/19/2025 <br> Open-Asset 6 Expired Provide updated asset for xxxxxx as dated 1/31/22. - Due Diligence Vendor-12/16/2025 |  | Resolved-Asset 6 was not required (xxxxxx account was accidentally labeled xxxxxx in the AUS). - Due Diligence Vendor-01/27/2026 | Additional assets not used to qualify - Additional assets were provided and reserves not needed.<br>Verified employment history exceeds guidelines - Min 2 years, actual 14 years verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855553 | xxxxxx D A C | Closed | xxxxxx | 2025-12-15 11:07 | 2026-01-16 11:58 | Resolved | 1 - Information D A | Credit | Modification | Modification Missing/Unexecuted | Resolved-Document Uploaded. Loa modification agreement provided. - Due Diligence Vendor-01/16/2026 <br> Counter-Documentation is was not attached. - Due Diligence Vendor-01/16/2026 <br> Counter-Missing modification for address. Package received reflects address of xxxxxx. - Due Diligence Vendor-01/14/2026 <br> Counter-Missing modification for address. Package received reflects address of xxxxxx. - Due Diligence Vendor-01/05/2026 <br> Counter-Received modifications and subject property address reflects as xxxxxx all documentation received reflects address as xxxxxx. - Due Diligence Vendor-12/19/2025 <br> Open-File is missing the Loan Modification Agreement. - Due Diligence Vendor-12/15/2025 |  | Resolved-Document Uploaded. Loa modification agreement provided. - Due Diligence Vendor-01/16/2026<br>| Additional assets not used to qualify - Additional assets were provided and reserves not needed.<br>Verified employment history exceeds guidelines - Min 2 years, actual 14 years verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855553 | xxxxxx D A C | Closed | xxxxxx | 2025-12-31 14:53 | 2026-01-06 12:42 | Resolved | 1 - Information B A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-PDI has been received. No damage noted. - Due Diligence Vendor-01/06/2026 <br>Counter-PDI has been ordered - Due Diligence Vendor-12/31/2025 <br>Open-FEMA disaster after appraisal without a Public PDI or 1004D. - Due Diligence Vendor-12/31/2025 |  | Resolved-PDI has been received. No damage noted. - Due Diligence Vendor-01/06/2026<br>| Additional assets not used to qualify - Additional assets were provided and reserves not needed.<br>Verified employment history exceeds guidelines - Min 2 years, actual 14 years verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855553 | xxxxxx D A C | Closed | xxxxxx | 2025-12-31 14:53 | 2026-01-06 12:41 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI received. No damage noted. - Due Diligence Vendor-01/06/2026 <br>Counter-PDI has been ordered - Due Diligence Vendor-12/31/2025 <br>Open-FEMA disaster after appraisal without a Individual PDI or 1004D. - Due Diligence Vendor-12/31/2025 |  | Resolved-PDI received. No damage noted. - Due Diligence Vendor-01/06/2026<br>| Additional assets not used to qualify - Additional assets were provided and reserves not needed.<br>Verified employment history exceeds guidelines - Min 2 years, actual 14 years verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855553 | xxxxxx D A C | Closed | xxxxxx | 2025-12-16 09:44 | 2025-12-31 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert. - Due Diligence Vendor-12/31/2025 <br>Counter-Flood cert received reflects a different address. - Due Diligence Vendor-12/19/2025 <br>Open-Missing Flood Certificate Provide Flood Certificate - Due Diligence Vendor-12/16/2025 |  | Resolved-Received Flood Cert. - Due Diligence Vendor-12/31/2025<br>| Additional assets not used to qualify - Additional assets were provided and reserves not needed.<br>Verified employment history exceeds guidelines - Min 2 years, actual 14 years verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855553 | xxxxxx D A C | Closed | xxxxxx | 2025-12-23 10:44 | 2025-12-24 10:23 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-This is a construction to perm with an end modification agreement - Due Diligence Vendor-12/24/2025 <br>Open-Security Instrument Date does not match the Note Date Construction to perm transaction - Due Diligence Vendor-12/23/2025 |  | Resolved-This is a construction to perm with an end modification agreement - Due Diligence Vendor-12/24/2025<br>| Additional assets not used to qualify - Additional assets were provided and reserves not needed.<br>Verified employment history exceeds guidelines - Min 2 years, actual 14 years verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855553 | xxxxxx D A C | Closed | xxxxxx | 2025-12-15 11:06 | 2025-12-23 12:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Rec'd Modification Settlement Statement. - Due Diligence Vendor-12/23/2025 <br> Open-File is missing the final Settlement Statement from modification date of xxxxxx. - Due Diligence Vendor-12/15/2025 |  | Resolved-Rec'd Modification Settlement Statement. - Due Diligence Vendor-12/23/2025<br>| Additional assets not used to qualify - Additional assets were provided and reserves not needed.<br>Verified employment history exceeds guidelines - Min 2 years, actual 14 years verified |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 855555 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-16 17:41 | 2026-01-14 12:31 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-01/14/2026 <br>Counter-Client comments - Home Received Appraisal and Final 1004D showing the Value had not declined before modification - AUDIT response. Please provide a secondary valuation product as required by the guidelines. - Due Diligence Vendor-12/31/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 0 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 724 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | NA | N/A | N/A | xxxxxx |
| 855555 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-31 15:05 | 2026-01-07 12:36 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI received no damage noted. - Due Diligence Vendor-01/07/2026 <br>Counter-PDI has been ordered - Due Diligence Vendor-12/31/2025 <br>Open-FEMA disaster after appraisal without a Individual PDI or 1004D. - Due Diligence Vendor-12/31/2025 |  | Resolved-PDI received no damage noted. - Due Diligence Vendor-01/07/2026<br>| Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 0 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 724 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | NA | N/A | N/A | xxxxxx |
| 855555 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-31 15:05 | 2026-01-07 12:35 | Resolved | 1 - Information B A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-PDI received. No damage noted. - Due Diligence Vendor-01/07/2026 <br>Counter-PDI has been ordered - Due Diligence Vendor-12/31/2025 <br>Open-FEMA disaster after appraisal without a Public PDI or 1004D. - Due Diligence Vendor-12/31/2025 |  | Resolved-PDI received. No damage noted. - Due Diligence Vendor-01/07/2026<br>| Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 0 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 724 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | NA | N/A | N/A | xxxxxx |
| 855555 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-17 17:57 | 2026-01-05 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, a gap credit report is not required per guidelines. - Due Diligence Vendor-01/05/2026 <br>Counter-Client comments - Loan Pay history was provided for the mortgage. We do not have a credit report pulled post closing. - AUDIT response. Please provide the Gap Report as required by the guidelines. - Due Diligence Vendor-12/31/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/17/2025 |  | Resolved-Upon further review, a gap credit report is not required per guidelines. - Due Diligence Vendor-01/05/2026<br>| Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 0 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 724 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | NA | N/A | N/A | xxxxxx |
| 855555 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-16 19:54 | 2025-12-31 15:05 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the inquiries are from the Lender. - Due Diligence Vendor-12/31/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-12/17/2025 |  | Resolved-Upon further review, the inquiries are from the Lender. - Due Diligence Vendor-12/31/2025<br>| Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 0 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 724 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | NA | N/A | N/A | xxxxxx |
| 855555 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-16 18:01 | 2025-12-31 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert. - Due Diligence Vendor-12/31/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-12/16/2025 |  | Resolved-Received Flood Cert. - Due Diligence Vendor-12/31/2025<br>| Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 0 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 724 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | NA | N/A | N/A | xxxxxx |
| 855555 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-11 14:52 | 2025-12-22 16:36 | 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-12/11/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-12/11/2025<br>| Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 0 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 724 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | NA | Investor Post-Close | No | xxxxxx |
| 855575 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 10:15 | 2026-02-25 08:00 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received lease and proof of receipt of rent. Rent transfers excluded from bank statement income. - Due Diligence Vendor-02/11/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of receipt of the rental income for property the listed as xxxxxx of the URLA. Per g/l's lender must provide current proof of the receipt of rental income. The deposits must be in a separate bank account. Note: Any rental deposits made into the bank statements being used to qualify the bank statement income, must be excluded from the business income analysis and treated as a separate income calculation. It is noted that the lease are in the loan file. If rent is in the existing bank statements additional income conditions may apply. - Due Diligence Vendor-02/10/2026 |  | Resolved-Received lease and proof of receipt of rent. Rent transfers excluded from bank statement income. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713<br>LTV is less than guideline maximum - Required is 80 Borrower has 37.52 |  | 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 |
| 855575 | xxxxxx D B A | Closed | xxxxxx | 2026-02-09 14:50 | 2026-02-25 07:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received Questionnaire. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br> Counter-Received By Laws. Guideline-xxxxxx-11.21.24-Condominium Projects- • All Loans secured by condominium projects require a completed Homeowners Association (HOA) questionnaire and condominium review. Additional findings may apply. - Due Diligence Vendor-02/12/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. The condo questionnaire is missing - Due Diligence Vendor-02/09/2026 |  | Resolved-Received Questionnaire. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713<br>LTV is less than guideline maximum - Required is 80 Borrower has 37.52 |  | 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 |
| 855575 | xxxxxx D B A | Closed | xxxxxx | 2026-02-13 12:02 | 2026-02-18 07:19 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated appraisal. - Due Diligence Vendor-02/18/2026 <br> Open-The appraisal Subject Phase is missing and the appraiser commented that "waiting for a reply from HOA for number of units, etc." - Due Diligence Vendor-02/13/2026 |  | Resolved-Received updated appraisal. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713<br>LTV is less than guideline maximum - Required is 80 Borrower has 37.52 |  | 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 |
| 855575 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 10:09 | 2026-02-18 07:18 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Project Warrantable is Unable to Determine | Resolved-Received 1008 with UW attestation of warrantability. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br>Counter-Received bylaws. Missing UW attestation of Condo Warrantability, - Due Diligence Vendor-02/12/2026 <br>Open-The Condo Project Warrantability is Unable to Determine. - Due Diligence Vendor-02/10/2026 |  | Resolved-Received 1008 with UW attestation of warrantability. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713<br>LTV is less than guideline maximum - Required is 80 Borrower has 37.52 |  | 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 |
| 855575 | xxxxxx D B A | Closed | xxxxxx | 2026-02-09 15:05 | 2026-02-12 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Bylaws. Review of 2.3b indicate owners are responsible for the maintenance and repair of their dwellings and for the insurance thereon. - Due Diligence Vendor-02/12/2026 <br> Open-Missing Condo Master Insurance Policy Missing master policy - there is some question about if the subj is actually a condo - Due Diligence Vendor-02/09/2026 |  | Resolved-Received Bylaws. Review of 2.3b indicate owners are responsible for the maintenance and repair of their dwellings and for the insurance thereon. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713<br>LTV is less than guideline maximum - Required is 80 Borrower has 37.52 |  | 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 |
| 855575 | xxxxxx D B A | Closed | xxxxxx | 2026-02-09 15:57 | 2026-02-11 12:01 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received lease and proof of receipt of rent. Rent transfers excluded from bank statement income. - Due Diligence Vendor-02/11/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing proof of receipt of the rental income for property the listed as xxxxxx of the URLA. Per g/l's lender must provide current proof of the receipt of rental income. The deposits must be in a separate bank account. Note: Any rental deposits made into the bank statements being used to qualify the bank statement income, must be excluded from the business income analysis and treated as a separate income calculation. It is noted that the lease are in the loan file. If rent is in the existing bank statements additional income conditions may apply. - Due Diligence Vendor-02/09/2026 |  | Resolved-Received lease and proof of receipt of rent. Rent transfers excluded from bank statement income. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713<br>LTV is less than guideline maximum - Required is 80 Borrower has 37.52 |  | 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 |
| 855575 | xxxxxx D B A | Closed | xxxxxx | 2026-02-05 13:59 | 2026-02-05 22:03 | 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-02/05/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713<br>LTV is less than guideline maximum - Required is 80 Borrower has 37.52 |  | 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 |
| 855615 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855626 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855628 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 18:05 | 2026-02-11 17:26 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing history was waived as the deferred balance was from the FEMA xxxxxx and mortgage was paid for 51 months. - Due Diligence Vendor-02/11/2026 <br> Counter-Pending clarification of modification. xxxxxx 4.1.2025 Eligible when the loan modification has been seasoned for at least 24 months.<br> Modification less than 24 months in file. - Due Diligence Vendor-01/30/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. The borrower's mortgage statement for the departing residence reflects a deferred balance of xxxxxx and payments from 2/2025 through 6/1/2025 being made on xxxxxx which is not explained. - Due Diligence Vendor-01/06/2026 |  | Resolved-Housing history was waived as the deferred balance was from the FEMA xxxxxx and mortgage was paid for 51 months. - Due Diligence Vendor-02/11/2026 | Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 41.51%. Required is 50 Borrower has 41.51<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 660 - actual FICO score is 707. Required is 660 Borrower has 707 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855628 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 17:54 | 2026-02-11 17:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow the mortgage deferment being for FEMA xxxxxx. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/11/2026 <br> Counter-Received LOE and agreement confirming deferment due to FEMA xxxxxx. Guidelines do not allow modifications within 24 months. - Due Diligence Vendor-01/29/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The borrower's mortgage statement for the departing residence reflects a deferred balance of xxxxxx and payments from 2/2025 through 6/1/2025 being made on xxxxxx which is not explained. - Due Diligence Vendor-01/06/2026 |  | Waived-Client exception granted to allow the mortgage deferment being for FEMA xxxxxx. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/11/2026 | Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 41.51%. Required is 50 Borrower has 41.51<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 660 - actual FICO score is 707. Required is 660 Borrower has 707 | Credit Score 30+ points > minimum required<br> Self-employed for > 5 years<br> Residual income more than 2.5x the amount require<br> Mortgage paid as agreed for 51 months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855638 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 13:24 | 2026-01-26 13:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/26/2026 <br> Open- Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-01/26/2026 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/26/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.494<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 813 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855652 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 12:24 | 2025-12-31 10:54 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-12/31/2025 <br>Open-Foreign National but the ACH form is Missing from file. Provide Automatic Payment Authorization form - Due Diligence Vendor-12/23/2025 |  | Resolved-Received ACH - Due Diligence Vendor-12/31/2025<br>| Additional assets not used to qualify - Additional assets provided that were not used.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 809 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855656 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855663 | xxxxxx C B A | Closed | xxxxxx | 2025-12-15 08:35 | 2026-03-20 15:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client provided a waiver for LTV, applied to non material finding with comp factors - non material 5% variance - Due Diligence Vendor-12/18/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Per matrix max LTV on 2-4 unit home is 75% - Due Diligence Vendor-12/15/2025 |  | Waived-Client provided a waiver for LTV, applied to non material finding with comp factors - non material 5% variance - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 750<br>Months Reserves exceed minimum required - Required is 2 months, borrower has 28.39 months. | FICO 750 > 30 pts over min and Reserves 28.39 mo >10 mo over min required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855663 | xxxxxx C B A | Closed | xxxxxx | 2025-12-12 16:12 | 2025-12-22 16:17 | 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. Exception on primary housing history. - Due Diligence Vendor-12/22/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Please provide 12 months housing history for Primary residence. - Due Diligence Vendor-12/12/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception on primary housing history. - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 750<br>Months Reserves exceed minimum required - Required is 2 months, borrower has 28.39 months. | FICO 750 > 30 pts over min<br> Reserves 28.39 mo >10 mo over min required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855670 | xxxxxx D A | Closed | xxxxxx | 2025-12-22 21:39 | 2025-12-30 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received Hazard Insurance. - Due Diligence Vendor-12/30/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Provide a legible copy of the Hazard Insurance Declaration Page. - Due Diligence Vendor-12/23/2025 |  | Resolved-Received Hazard Insurance. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 809. Required is 700 Borrower has 809<br>Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Borrower has 98.08 months of verified reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855670 | xxxxxx D A | Closed | xxxxxx | 2025-12-22 22:53 | 2025-12-30 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received Borrower's Consent Form. - Due Diligence Vendor-12/30/2025 <br>Open-Provide Missing BORROWER CONTACT CONSENT FORM. - Due Diligence Vendor-12/23/2025 |  | Resolved-Received Borrower's Consent Form. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 809. Required is 700 Borrower has 809<br>Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Borrower has 98.08 months of verified reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855671 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855765 | xxxxxx D A B | Closed | xxxxxx | 2026-02-04 14:09 | 2026-02-11 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Undisclosed Debt Monitoring Report with no new Inquiries. - Due Diligence Vendor-02/11/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-02/04/2026 |  | Resolved-Received Undisclosed Debt Monitoring Report with no new Inquiries. - Due Diligence Vendor-02/11/2026<br>| Months Reserves exceed minimum required - 8.96 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 701; guidelines require 680. Required is 680 Borrower has 701 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855765 | xxxxxx D A B | Closed | xxxxxx | 2026-02-03 10:38 | 2026-02-05 14:39 | 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 7.801% is within allowable threshold of APOR of 6.22% + 1.75% or 7.97%. - Due Diligence Vendor-02/05/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.801% is within allowable threshold of APOR of 6.22% + 1.75% or 7.97%. <br> - Due Diligence Vendor-02/03/2026 |  | Resolved-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.801% is within allowable threshold of APOR of 6.22% + 1.75% or 7.97%. - Due Diligence Vendor-02/05/2026 | Months Reserves exceed minimum required - 8.96 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 701; guidelines require 680. Required is 680 Borrower has 701 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855796 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 21:38 | 2026-01-14 12:48 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-After further review, the zip file contains the assets needed. Assets are sufficient. - Due Diligence Vendor-01/14/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-177365.16'. Assets are Insufficient. Missing asset verification. Statement in file reflects a $0 balance. For Foreign National borrowers, all assets utilized for down payment, closing cost, and reserves may be held in the borrower's name in either a xxxxxx bank account or in a foreign account to meet funds to close and reserve requirements. Assets wired directly to settlement for down payment and closing cost is acceptable but will require the sourcing of the assets from the foreign account. - Due Diligence Vendor-01/09/2026 |  | Resolved-After further review, the zip file contains the assets needed. Assets are sufficient. - Due Diligence Vendor-01/14/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.123<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855815 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856090 | xxxxxx C A | Closed | xxxxxx | 2026-01-16 18:01 | 2026-02-03 09:44 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Received HOI dec confirming fair rental coverage included. - Due Diligence Vendor-02/03/2026 <br>Counter-Policy with Fair Rental Value provided, however the policy is not in the borrowers name and the coverage and premium does not match. - Due Diligence Vendor-01/23/2026 <br>Open-Rent Loss Coverage is Insufficient or Missing. Rent Loss Coverage is missing from the policy. 6 months rent loss is required - Due Diligence Vendor-01/16/2026 |  | Resolved-Received HOI dec confirming fair rental coverage included. - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856090 | xxxxxx C A | Closed | xxxxxx | 2026-01-16 18:25 | 2026-02-03 09:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received PP addendum for Note. - Due Diligence Vendor-02/03/2026 <br>Open-There are Issues Present on the Note that must be addressed. Missing Prepayment Penalty Addendum to Note. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received PP addendum for Note. - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856092 | xxxxxx D B A | Closed | xxxxxx | 2026-01-02 15:15 | 2026-02-04 14:25 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Received updated Statement. - Due Diligence Vendor-01/12/2026 <br> Open-Asset 2 Less Than 2 Months Verified 2 months required per guides. Lender to provide an updated bank statement for xxxxxx xxxxxx. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received updated Statement. - Due Diligence Vendor-01/12/2026<br>| DSCR % greater than 1.20 - DSCR = 1.641<br>LTV is less than guideline maximum - Required is 70 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856092 | xxxxxx D B A | Closed | xxxxxx | 2026-01-02 17:05 | 2026-02-04 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Lender: Taxes are xxxxxx \* Total Millage (14.5104) = xxxxxx - TAX CALCULATION PROVIDED. - Due Diligence Vendor-02/04/2026 <br> Open-Missing Evidence of Property Tax The current taxes are based on unimproved land. Lender to provide a tax bill or tax certificate to verify real estate taxes of xxxxxx/year, as subject is a new build and would require to be reassessed based on new value. - Due Diligence Vendor-01/02/2026 |  | Resolved-Lender: Taxes are xxxxxx \* Total Millage (14.5104) = xxxxxx - TAX CALCULATION PROVIDED. - Due Diligence Vendor-02/04/2026 | DSCR % greater than 1.20 - DSCR = 1.641<br>LTV is less than guideline maximum - Required is 70 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856092 | xxxxxx D B A | Closed | xxxxxx | 2026-01-02 15:08 | 2026-01-12 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated bank Statement - Audited Reserves of 27.89 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-01/12/2026 <br>Open-Audited Reserves of 5.34 month(s) are less than Guideline Required Reserves of 12 month(s) 12 months reserves required: 6 months for DSCR > 1.0 plus 6 additional months reserves for vacant property on a refinance. Documented assets in file are not sufficient to cover reserves. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received updated bank Statement - Audited Reserves of 27.89 month(s) are greater than or equal to Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-01/12/2026<br>| DSCR % greater than 1.20 - DSCR = 1.641<br>LTV is less than guideline maximum - Required is 70 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856092 | xxxxxx D B A | Closed | xxxxxx | 2026-01-02 09:37 | 2026-01-12 11:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Client provided a waiver for Tape Discrepancy, applied to non material finding with comp factors - Due Diligence Vendor-01/12/2026 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Note reflects the prepayment penalty term is 3 years (ending xxxxxx). - Due Diligence Vendor-01/02/2026 |  | Waived-Client provided a waiver for Tape Discrepancy, applied to non material finding with comp factors - Due Diligence Vendor-01/12/2026<br>| DSCR % greater than 1.20 - DSCR = 1.641<br>LTV is less than guideline maximum - Required is 70 Borrower has 60 | LTV 60% 10% below max allowed and DSCR 1.641 > 1.3. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 856156 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 07:40 | 2026-02-05 12:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded Affidavit of Title confirming correct notary date. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. see affidavit - Buyer-02/05/2026 <br> Counter-The borrower signed on the xxxxxx along with all other closing documents, and the Notary date is the xxxxxx. This requires a xxxxxx's affidavit with letter of intent to record. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-the notary stated bwr were present with notary on xxxxxx, we are ok with waiving this condition with comp factors. Please escalate. - Buyer-01/27/2026 <br> Counter-Finding remains as the borrowers did not sign the Mortgage in the presence of a Notary. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-We are ok with Note being dated xxxxxx and deed is dated xxxxxx. notary stated the borrowers were present with notary on xxxxxx, borrowers just signed the deed on xxxxxx - Please waive condition with compensating factors.<br> - Buyer-01/23/2026 <br> Counter-Review did not receive documentation. Original finding remains. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Please waive condition with compensating factors. - Buyer-01/22/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary date xxxxxx and borrower's signature dated xxxxxx - Due Diligence Vendor-12/29/2025 |  | Resolved-Received recorded Affidavit of Title confirming correct notary date. - Due Diligence Vendor-02/05/2026<br>| Credit history exceeds minimum required - Credit History = 312 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 55 months – Required Reserves = 1 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 856156 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 08:05 | 2026-01-27 11:33 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. CDA uploaded<br>- Buyer-01/26/2026 <br>Counter-Please provide a Desk Review from an approved vendor listed in 1.3.8.1 of the guidelines - Due Diligence Vendor-01/15/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Per Section 1.3.8.1 - Appraisal Requirements, an appraisal review product is required on every loan file. The appraisal review product should provide an "as is" value for the subject property (the "Appraisal Review Value") as of the date of the subject loan transaction. While CU was provided, guidelines required one of either an enhanced desk review, field review, or BPO. One of these options have not been provided. - Due Diligence Vendor-01/06/2026 |  | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-01/27/2026<br>| Credit history exceeds minimum required - Credit History = 312 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 55 months – Required Reserves = 1 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 856156 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 08:05 | 2026-01-21 14:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client waiver applied to non-material finding with compensating factors- To allow rural property - Due Diligence Vendor-01/21/2026 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per Section 1.3.10.2 - Ineligible properties, rural properties are not eligible. - Due Diligence Vendor-01/06/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors- To allow rural property - Due Diligence Vendor-01/21/2026<br>| Credit history exceeds minimum required - Credit History = 312 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 55 months – Required Reserves = 1 Months | FICO 681, min allowed is 620<br> LTV below guideline max | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Investor Post-Close | No | xxxxxx |
| 856156 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 09:59 | 2026-01-21 11:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property is listed for sale | Waived-Client provided a waiver for listed for sale < 12 months, applied to non material finding with Reviewed comp factors - Due Diligence Vendor-01/21/2026 <br> Counter-Client comments - As identified on the appraisal and online, last sale was xxxxxx, for xxxxxx this loan closed on xxxxxx, it is not currently on the market. can we rescind this exception? - AUDIT response - DU states if refinancing a property acquired by the borrower within 12 months of the case number assignment date, the value entered for the property must be the lesser of the borrower's purchase price plus any documented improvements made subsequent to the purchase, or the property value. <br> - Due Diligence Vendor-01/15/2026 <br> Open-UW to confirm there is no evidence the home is listed for sale. x - Due Diligence Vendor-01/06/2026 |  | Waived-Client provided a waiver for listed for sale < 12 months, applied to non material finding with Reviewed comp factors - Due Diligence Vendor-01/21/2026<br>| Credit history exceeds minimum required - Credit History = 312 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 55 months – Required Reserves = 1 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Investor Post-Close | No | xxxxxx |
| 856156 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 08:18 | 2026-01-20 11:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Upon further review, electronic signatures are acceptable. - Due Diligence Vendor-01/20/2026 <br> Open-Borrower 1 Tax Returns Not Signed Tax Returns are unsigned and no transcripts in file to confirm income. - Due Diligence Vendor-01/06/2026 |  | Resolved-Upon further review, electronic signatures are acceptable. - Due Diligence Vendor-01/20/2026<br>| Credit history exceeds minimum required - Credit History = 312 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 55 months – Required Reserves = 1 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 856156 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 08:18 | 2026-01-20 11:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Upon further review, electronic signatures are acceptable. - Due Diligence Vendor-01/20/2026 <br>Open-Borrower 2 Tax Returns Not Signed Tax Returns are unsigned and no transcripts in file to confirm income. - Due Diligence Vendor-01/06/2026 |  | Resolved-Upon further review, electronic signatures are acceptable. - Due Diligence Vendor-01/20/2026<br>| Credit history exceeds minimum required - Credit History = 312 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 55 months – Required Reserves = 1 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 856156 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 08:00 | 2026-01-05 17:13 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026 <br> Open-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-12/29/2025 |  | Waived-Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026<br>| Credit history exceeds minimum required - Credit History = 312 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 55 months – Required Reserves = 1 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Investor Post-Close | No | xxxxxx |
| 856156 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 08:00 | 2026-01-05 17:13 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026 <br> Open-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-12/29/2025 |  | Waived-Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026<br>| Credit history exceeds minimum required - Credit History = 312 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 55 months – Required Reserves = 1 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Investor Post-Close | No | xxxxxx |
| 856313 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 09:12 | 2026-02-09 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received proof of large deposit. - Due Diligence Vendor-02/09/2026 <br> Counter-Received printout for xx xxxxxx. Please source $30k deposit on 12/9. - Due Diligence Vendor-02/04/2026 <br> Counter-Assets provided have already been included in the review. Finding remains. - Due Diligence Vendor-01/23/2026 <br> Open-Audited Reserves of 0.08 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/16/2026 |  | Resolved-Received proof of large deposit. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702 Required is 660 Borrower has 702<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.58 Required is 50 Borrower has 34.58 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856313 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 08:09 | 2026-01-23 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-01/23/2026 <br>Open-Borrower 1 CPA Letter Missing CPA letter verifying 100% ownership of businesses not found. Secretary of State documentation does not evidence percentage of ownership. - Due Diligence Vendor-01/16/2026 |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702 Required is 660 Borrower has 702<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.58 Required is 50 Borrower has 34.58 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856369 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 15:02 | 2026-01-13 10:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Seller's operating agreement provided confirming the buyer has no ownership. - Due Diligence Vendor-01/13/2026 <br> Counter-Received Amendment to agreement. Unable to confirm from document if all members for xxxxxx is disclosed. - Due Diligence Vendor-01/06/2026 <br> Open-Property Title Issue Missing confirmation of selling LLC members to confirm borrower and their business partner have no affiliation. - Due Diligence Vendor-12/30/2025 |  | Resolved-Seller's operating agreement provided confirming the buyer has no ownership. - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 739; guidelines require 700. Required is 700 Borrower has 739<br>LTV is less than guideline maximum - LTV 65%. LTV Allowed 75%. Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856369 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 15:00 | 2026-01-06 07:56 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received updated bank statements. - Due Diligence Vendor-01/06/2026 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Statement xxxxxx ending 9205 is 111 days old-guides require no more than 60 days old - Due Diligence Vendor-12/30/2025 |  | Resolved-Received updated bank statements. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 739; guidelines require 700. Required is 700 Borrower has 739<br>LTV is less than guideline maximum - LTV 65%. LTV Allowed 75%. Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856369 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 11:09 | 2026-01-06 07:48 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller HUD. - Due Diligence Vendor-01/06/2026 <br>Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received Seller HUD. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 739; guidelines require 700. Required is 700 Borrower has 739<br>LTV is less than guideline maximum - LTV 65%. LTV Allowed 75%. Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856369 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 10:46 | 2026-01-05 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy, invoice and RCE. - Due Diligence Vendor-01/05/2026 <br>Open-Missing Hazard Insurance Policy. Additionally, findings may apply upon receipt. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received HOI policy, invoice and RCE. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 739; guidelines require 700. Required is 700 Borrower has 739<br>LTV is less than guideline maximum - LTV 65%. LTV Allowed 75%. Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856369 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 11:18 | 2025-12-30 15:22 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding - Due Diligence Vendor-12/30/2025 <br>Open-Missing Approval/Underwriting Summary. - Due Diligence Vendor-12/30/2025 |  | Waived-Client waiver applied to non material finding - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 739; guidelines require 700. Required is 700 Borrower has 739<br>LTV is less than guideline maximum - LTV 65%. LTV Allowed 75%. Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856385 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856387 | xxxxxx C B A | Closed | xxxxxx | 2026-01-20 13:57 | 2026-01-28 10:15 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh. - Due Diligence Vendor-01/28/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Must be within 10 days of Note. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-01/28/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 73.47<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 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 |
| 856387 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 12:12 | 2026-01-23 08:19 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/23/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Timing requirements are sufficient - Due Diligence Vendor-01/13/2026 |  | Resolved------Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/23/2026 | CLTV is less than guidelines maximum - Required is 80 Borrower has 73.47<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 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 |
| 856387 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 13:29 | 2026-01-23 08:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/23/2026 <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 $713,086.29. The disclosed finance charge of $713,036.29 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-01/13/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/23/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 73.47<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 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 |
| 856387 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 11:32 | 2026-01-13 11:32 | 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 - Due Diligence Vendor-01/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-01/13/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 73.47<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 785 |  | 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 |
| 856514 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856522 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856532 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 19:01 | 2026-02-03 12:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-HOA indicates the fee based membership is mandatory and included in the HOA dues. - Due Diligence Vendor-02/03/2026 <br> Counter-Received HOA questionnaire. 1. Clarify Mandatory fee-based membership noted. Confirm amenities are owned solely by HOA for eligibility 2. Clarify and confirm amount of total HOA as owners are required members of xxxxxx. - Due Diligence Vendor-02/02/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Must meet guidelines. - Due Diligence Vendor-01/09/2026 |  | Resolved-HOA indicates the fee based membership is mandatory and included in the HOA dues. - Due Diligence Vendor-02/03/2026<br>| DSCR % greater than 1.20 - 1.31<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856532 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 19:01 | 2026-02-03 12:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Contract located in the zip file. - Due Diligence Vendor-02/03/2026 <br>Counter-Received escrow agreement and seller contribution addendum. Missing complete initial purchase contract. - Due Diligence Vendor-02/02/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-01/09/2026 |  | Resolved-Contract located in the zip file. - Due Diligence Vendor-02/03/2026<br>| DSCR % greater than 1.20 - 1.31<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856532 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 20:01 | 2026-02-02 11:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received sufficient assets. - Due Diligence Vendor-02/02/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Conditioned for this. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received sufficient assets. - Due Diligence Vendor-02/02/2026<br>| DSCR % greater than 1.20 - 1.31<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856532 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 19:48 | 2026-02-02 11:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received assets from another account. - Due Diligence Vendor-02/02/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements 1. xxxxxx ending 2832 missing full statement showing account holder identifiers, provided is an activity statement.<br> 2. Missing proof that borrower is an owner to the business listed on the statement and has full access to the funds. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received assets from another account. - Due Diligence Vendor-02/02/2026<br>| DSCR % greater than 1.20 - 1.31<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856532 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 19:48 | 2026-02-02 11:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received assets from another account. - Due Diligence Vendor-03/23/2026 <br> Open-Asset 1 Less Than 2 Months Verified xxxxxx checking xxxxxx is only from 12/1 to 12/24 - does not meet the 2 months required - Due Diligence Vendor-01/09/2026 |  | Resolved-Received assets from another account. - Due Diligence Vendor-03/23/2026<br>| DSCR % greater than 1.20 - 1.31<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856532 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 19:48 | 2026-02-02 11:47 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received assets from another account. - Due Diligence Vendor-03/23/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-17541.6'. Assets are Insufficient. Short funds based on statements provided. Additionally there is no proof of the full EMD clearing the borrower's account. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received assets from another account. - Due Diligence Vendor-03/23/2026<br>| DSCR % greater than 1.20 - 1.31<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856535 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856581 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856609 | xxxxxx D B A | Closed | xxxxxx | 2026-01-28 08:30 | 2026-01-30 13:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator waiver applied to non-material finding with compensating factors. Exception provided for no bedrooms. Comparables on appraisal are simliar in style to subject and xxxxxx units have no impact on value or marketability for the area. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. I'm re-uploading the exception for the bedroom count. The printed exception from xxxxxx was uploaded in the original package and showing as xxxxxx Code "Appraisal xxxxxx" which can be found on pages 2 and 6 of the uploaded package for post-close review. We are asking that this finding please be waived. xxxxxx. - Seller-01/30/2026 <br> Open-Property Issues are identified for the property Property has 0 bedrooms. Notes state that there is an exception for this, but none was noted in the file. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. I'm re-uploading the exception for the bedroom count. The printed exception from xxxxxx was uploaded in the original package and showing as xxxxxx Code "Appraisal xxxxxx" which can be found on pages 2 and 6 of the uploaded package for post-close review. We are asking that this finding please be waived. xxxxxx. - Seller-01/30/2026 | Waived-Originator waiver applied to non-material finding with compensating factors. Exception provided for no bedrooms. Comparables on appraisal are simliar in style to subject and studio style units have no impact on value or marketability for the area. - Due Diligence Vendor-03/24/2026 | DSCR % greater than 1.20 - DSCR is 1.31<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 780 is less than required 640 | 1.31 DSCR<br> 780 fico | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 856609 | xxxxxx D B A | Closed | xxxxxx | 2026-01-28 08:21 | 2026-01-30 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit has been provided. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-The Business Purpose Affidavit has been provided. - Due Diligence Vendor-01/30/2026<br>| DSCR % greater than 1.20 - DSCR is 1.31<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 780 is less than required 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856609 | xxxxxx D B A | Closed | xxxxxx | 2026-01-26 10:47 | 2026-01-30 13:23 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage provided with the legal description. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. Copy of recorded DOT with exhibit A attached - Seller-01/30/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. Copy of recorded DOT with exhibit A attached - Seller-01/30/2026<br>| Resolved-Mortgage provided with the legal description. - Due Diligence Vendor-01/30/2026<br>| DSCR % greater than 1.20 - DSCR is 1.31<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 780 is less than required 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856609 | xxxxxx D B A | Closed | xxxxxx | 2026-01-28 08:27 | 2026-01-29 19:10 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Per attorney letter in file HOA is represented with insurance covering any claim. litigation does not present any health, structural or safety issues. - Due Diligence Vendor-01/30/2026 <br> Open-The condo project has pending litigation. - Due Diligence Vendor-01/28/2026 |  | Resolved-Per attorney letter in file HOA is represented with insurance covering any claim. litigation does not present any health, structural or safety issues. - Due Diligence Vendor-01/30/2026<br>| DSCR % greater than 1.20 - DSCR is 1.31<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 780 is less than required 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856635 | xxxxxx D B A | Closed | xxxxxx | 2026-01-27 16:02 | 2026-01-30 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose was provided. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Business purpose is required - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-The Business Purpose was provided. - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 780<br>Months Reserves exceed minimum required - >221 months available vs. 2 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856635 | xxxxxx D B A | Closed | xxxxxx | 2026-01-26 11:42 | 2026-01-30 12:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Updated Mortgage provided. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. Copy of the recorded, notarized deed with the correct loan amount attached - Seller-01/28/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The notary page is not notarized or signed. <br> Also, per the email from Missing Loan info, the correct loan amount is xxxxxx - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. Copy of the recorded, notarized deed with the correct loan amount attached - Seller-01/28/2026<br>| Resolved-Updated Mortgage provided. - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 780<br>Months Reserves exceed minimum required - >221 months available vs. 2 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856635 | xxxxxx D B A | Closed | xxxxxx | 2026-01-27 16:18 | 2026-01-28 18:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project has pending litigation | Waived-Originator waiver applied to non-material finding with compensating factors. Property is a xxxxxx involved in litigation. Litigation is being handled by the insurance company for the HOA and does not have any impact on the subject unit or borrower. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. The attached Investor Exception for the xxxxxx being in litigation was approved by xxxxxx and submitted with the initial uploaded file for review, pages 1-7. xxxxxx. - Seller-01/28/2026 <br> Open-The condo project has pending litigation. Missing the exception for warrantability. - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. The attached Investor Exception for the xxxxxx being in litigation was approved by xxxxxx and submitted with the initial uploaded file for review, pages 1-7. xxxxxx. - Seller-01/28/2026 | Waived-Originator waiver applied to non-material finding with compensating factors. Property is a xxxxxx involved in litigation. Litigation is being handled by the insurance company for the HOA and does not have any impact on the subject unit or borrower. - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 780<br>Months Reserves exceed minimum required - >221 months available vs. 2 months required | 1.330 DSCR<br> 221 months of reserves. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 856669 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856671 | xxxxxx C A | Closed | xxxxxx | 2026-01-27 11:40 | 2026-01-27 16:58 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-There is a Prepayment Fee Rider to Security Instrument that references the prepayment made to the note holder - Due Diligence Vendor-01/27/2026 <br>Open-There are Issues Present on the Note that must be addressed. Missing Prepayment Fee Addendum to Note - Due Diligence Vendor-01/27/2026 |  | Resolved-There is a Prepayment Fee Rider to Security Instrument that references the prepayment made to the note holder - Due Diligence Vendor-01/27/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856677 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856687 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856688 | xxxxxx D A | Closed | xxxxxx | 2026-02-24 16:24 | 2026-03-11 16:18 | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-Note and Mortgage provided for new property, which is under the borrower's business name. - Due Diligence Vendor-03/11/2026 <br> Counter-Received additional credit inquiry letter. Please address original finding referring to Inquiry letter dated 2/19/2026 - Due Diligence Vendor-03/06/2026 <br> Open-Borrower stated in Inquiry letter that it is for the purchase of a property. No further details provided. Verify if there is a loan in process for a new property and what occupancy. Additional conditions may apply. - Due Diligence Vendor-02/25/2026 |  | Resolved-Note and Mortgage provided for new property, which is under the borrower's business name. - Due Diligence Vendor-03/11/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 47.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.25 |  | 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 |
| 856688 | xxxxxx D A | Closed | xxxxxx | 2026-02-24 15:21 | 2026-03-06 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/06/2026 <br>Open-Title Document is Incomplete Missing title coverage amount. - Due Diligence Vendor-02/24/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/06/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 47.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.25 |  | 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 |
| 856688 | xxxxxx D A | Closed | xxxxxx | 2026-02-24 16:04 | 2026-03-06 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis for each business reflecting correct expense factors and ownership percentage. - Due Diligence Vendor-03/06/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Income worksheets in the file have the wrong ownership and expense factors. Provide worksheets used in decision. Large deposits are excluded as they exceed 100% of the average monthly sales of the business and are not sourced. Additional conditions may apply. - Due Diligence Vendor-02/24/2026 |  | Resolved-Received business bank statement analysis for each business reflecting correct expense factors and ownership percentage. - Due Diligence Vendor-03/06/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 47.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.25 |  | 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 |
| 856688 | xxxxxx D A | Closed | xxxxxx | 2026-02-25 11:03 | 2026-03-06 11:32 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud reflecting non-borrowing spouse search clear. - Due Diligence Vendor-03/06/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing title holder to be added to the loan participant list. - Due Diligence Vendor-02/25/2026 |  | Resolved-Received updated fraud reflecting non-borrowing spouse search clear. - Due Diligence Vendor-03/06/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 47.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.25 |  | 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 |
| 856689 | xxxxxx C B A | Closed | xxxxxx | 2025-12-30 10:17 | 2026-01-14 12:06 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received proof of receipt of security deposit reflected on leases in place. - Due Diligence Vendor-01/14/2026 <br> Open-Subject loan is a purchase transaction. File contain long term leases for xxxxxx REO's. However both Seller CD and HUD in file does not reflect security deposit credit on the settlement statement. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received proof of receipt of security deposit reflected on leases in place. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856689 | xxxxxx C B A | Closed | xxxxxx | 2025-12-30 10:46 | 2025-12-30 15:28 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty is not allowed | Waived-Originator waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-12/30/2025 <br> Open-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-12/30/2025 |  | Waived-Originator waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-12/30/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 856744 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 13:42 | 2026-02-04 09:40 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Final title provided showing the blanket lien is no longer a lien against the property. - Due Diligence Vendor-02/04/2026 <br>Counter-Received final title policy reflecting UCC filings. Missing allocated payoff of subject on final settlement statement or confirmation cross collateral lien paid in full. Finding remains. - Due Diligence Vendor-02/02/2026 <br>Open-The subject is part of a blanket mortgage. Payoff to reflect portion to be paid off for the subject property - Due Diligence Vendor-01/13/2026 |  | Resolved-Final title provided showing the blanket lien is no longer a lien against the property. - Due Diligence Vendor-02/04/2026<br>| Months Reserves exceed minimum required - 17.21 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856744 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 11:08 | 2026-01-22 13:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Subject has a blanket mortgage. Need to verify 12 month satisfactory mortgage history with xxxxxx - Due Diligence Vendor-01/13/2026 |  | Resolved-Received payment history. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 17.21 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856744 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 13:59 | 2026-01-22 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Flood Certificate was provided. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Open-Flood Certificate is Partially Provided Flood cert not check boxed X not in in zone. provide updated flood cert to reflect zoning. - Due Diligence Vendor-01/12/2026 |  | Resolved-Flood Certificate was provided. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 17.21 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856749 | xxxxxx C A | Closed | xxxxxx | 2026-01-13 12:50 | 2026-02-04 09:42 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title provided showing the blanket lien is no longer a lien against the property. - Due Diligence Vendor-02/04/2026 <br> Counter-Received final title policy reflecting UCC filings. Missing allocated payoff of subject on final settlement statement or confirmation cross collateral lien paid in full. Finding remains.<br> - Due Diligence Vendor-02/02/2026 <br> Open-Property Title Issue Title reflects a lien for xxxxxx secured against the subject – dated xxxxxx. There is a payoff in file from xxxxxx for Loan xxxxxx in the amount of xxxxxx with a different collateral address. Lender to provide Cross-Collateralization Agreement or the specific mortgage/deed of trust for the subject property, and specifically, the Release Clause within those documents, outlining the terms and required payment to free the subject property. - Due Diligence Vendor-01/13/2026 |  | Resolved-Final title provided showing the blanket lien is no longer a lien against the property. - Due Diligence Vendor-02/04/2026<br>| Months Reserves exceed minimum required - <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856754 | 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 |  |  |  |
| 856758 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 15:24 | 2026-02-04 09:43 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title provided showing the blanket lien is no longer a lien against the property. - Due Diligence Vendor-02/04/2026 <br> Counter-Received final title policy reflecting UCC filing. Missing Lender to provide Cross-Collateralization Agreement or the specific mortgage/deed of trust for the subject property, and specifically, the Release Clause within those documents, outlining the terms and required payment to free the subject property. - Due Diligence Vendor-02/02/2026 <br> Open-Property Title Issue Title reflects a lien for xxxxxx secured against the subject – dated xxxxxx. There is a payoff in file from xxxxxx for Loan xxxxxx in the amount of xxxxxx with a different collateral address. Lender to provide Cross-Collateralization Agreement or the specific mortgage/deed of trust for the subject property, and specifically, the Release Clause within those documents, outlining the terms and required payment to free the subject property. - Due Diligence Vendor-01/12/2026 |  | Resolved-Final title provided showing the blanket lien is no longer a lien against the property. - Due Diligence Vendor-02/04/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>Months Reserves exceed minimum required - 378 months reserves, 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856758 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 15:35 | 2026-01-23 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report provided. - Due Diligence Vendor-01/23/2026 <br>Open-Missing Third Party Fraud Report Lender to provide Fraud Report - Due Diligence Vendor-01/12/2026 |  | Resolved-Fraud report provided. - Due Diligence Vendor-01/23/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>Months Reserves exceed minimum required - 378 months reserves, 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856758 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 21:02 | 2026-01-23 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation from Lender. - Due Diligence Vendor-01/23/2026 <br>Open-Lender to provide DSCR calculation - Due Diligence Vendor-01/13/2026 |  | Resolved-Received DSCR Calculation from Lender. - Due Diligence Vendor-01/23/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>Months Reserves exceed minimum required - 378 months reserves, 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856762 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 16:33 | 2026-02-02 12:03 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Final Title. - Due Diligence Vendor-02/02/2026 <br> Open-Property Title Issue Title reflects a lien for xxxxxx secured against the subject – dated xxxxxx. There is a payoff in file from xxxxxx for Loan xxxxxx in the amount of xxxxxx with a different collateral address. Lender to provide Cross-Collateralization Agreement or the specific mortgage/deed of trust for the subject property, and specifically, the Release Clause within those documents, outlining the terms and required payment to free the subject property. - Due Diligence Vendor-01/12/2026 |  | Resolved-Received Final Title. - Due Diligence Vendor-02/02/2026<br>| Months Reserves exceed minimum required - 379 months reserves, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856762 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 09:16 | 2026-01-23 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation from Lender. - Due Diligence Vendor-01/23/2026 <br>Open-Lender to provide DSCR calculation - Due Diligence Vendor-01/13/2026 |  | Resolved-Received DSCR Calculation from Lender. - Due Diligence Vendor-01/23/2026<br>| Months Reserves exceed minimum required - 379 months reserves, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856762 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 16:49 | 2026-01-15 11:51 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Cash out letter is not required if there is a business purpose affidavit. No personal debts paid on the settlement statement - Due Diligence Vendor-01/15/2026 <br>Counter-No document provided. Cash-Out letter is required. (Guideline 8.3 LOE will be required for closing.) - Due Diligence Vendor-01/15/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing required LOE on a cash out refinance - Due Diligence Vendor-01/12/2026 |  | Resolved-Cash out letter is not required if there is a business purpose affidavit. No personal debts paid on the settlement statement - Due Diligence Vendor-01/15/2026<br>| Months Reserves exceed minimum required - 379 months reserves, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856769 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 14:38 | 2026-02-02 12:06 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Final Title. - Due Diligence Vendor-02/02/2026 <br> Open-Property Title Issue Title reflects a lien for xxxxxx secured against the subject – dated xxxxxx. There is a payoff in file from xxxxxx for Loan xxxxxx in the amount of xxxxxx with a different collateral address. Lender to provide Cross-Collateralization Agreement or the specific mortgage/deed of trust for the subject property, and specifically, the Release Clause within those documents, outlining the terms and required payment to free the subject property. - Due Diligence Vendor-01/12/2026 |  | Resolved-Received Final Title. - Due Diligence Vendor-02/02/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Months Reserves exceed minimum required - 329 months reserves, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856769 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 21:01 | 2026-01-23 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Open-Lender to provide DSCR calculation - Due Diligence Vendor-01/13/2026 |  | Resolved-Received DSCR calculation - Due Diligence Vendor-01/23/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Months Reserves exceed minimum required - 329 months reserves, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856769 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 13:25 | 2026-01-23 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete fraud report. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br>Open-Missing Third Party Fraud Report Lender to provide Fraud Report - Due Diligence Vendor-01/12/2026 |  | Resolved-Received complete fraud report. - Due Diligence Vendor-01/23/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Months Reserves exceed minimum required - 329 months reserves, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856769 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 13:41 | 2026-01-15 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Cash out letter is not required if there is a business purpose affidavit. No personal debts paid on the settlement statement - Due Diligence Vendor-01/15/2026 <br>Counter-No document provided. Missing required LOE on a cash out refinance - Due Diligence Vendor-01/14/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing required LOE on a cash out refinance - Due Diligence Vendor-01/12/2026 |  | Resolved-Cash out letter is not required if there is a business purpose affidavit. No personal debts paid on the settlement statement - Due Diligence Vendor-01/15/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Months Reserves exceed minimum required - 329 months reserves, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856808 | xxxxxx D A | Closed | xxxxxx | 2025-12-30 12:10 | 2026-01-08 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received Escrow waiver. - Due Diligence Vendor-01/08/2026 <br>Open-----Missing escrow waiver - Due Diligence Vendor-12/30/2025 |  | Resolved-Received Escrow waiver. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 700 - actual FICO score is 792. Required is 700 Borrower has 792<br>Months Reserves exceed minimum required - Months Reserves 58.1 exceed minimum required 12 months for escrow waiver. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856859 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 16:48 | 2026-02-02 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received invoice. - Due Diligence Vendor-02/02/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided The premium is missing from the hazard declarations - Due Diligence Vendor-01/27/2026 |  | Resolved-Received invoice. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 812; guidelines require 700. Required is 700 Borrower has 812<br>Months Reserves exceed minimum required - 23.78 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856865 | xxxxxx C B A | Closed | xxxxxx | 2026-01-21 13:34 | 2026-02-06 07:58 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/06/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15.50.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 xxxxxx (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 xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-01/21/2026 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/06/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 68.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 |  | 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 |
| 856865 | xxxxxx C B A | Closed | xxxxxx | 2026-01-21 12:54 | 2026-02-06 07:51 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Received Non-Borrower Title Holder Received Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-02/06/2026 <br>Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form -----Missing ROR signed by Non-Borrowing Spouse/Title Holder - Due Diligence Vendor-01/21/2026 |  | Resolved-Received Non-Borrower Title Holder Received Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-02/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 68.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 |  | 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 |
| 856871 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 11:29 | 2026-02-06 11:40 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Per client included the debt. - Due Diligence Vendor-02/06/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of why xxxxxx xxxxxx was excluded, not showing on CD as paid off. Upon receipt, additional documentation maybe required. If it is not to be excluded the loan must qualify and additional information maybe required. Inclusion will result in an excessive DTI. - Due Diligence Vendor-01/26/2026 |  | Resolved-Per client included the debt. - Due Diligence Vendor-02/06/2026<br>| CLTV is less than guidelines maximum - LTV Max is 90 Borrower has 15.83 Required is 90 Borrower has 59.92<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 778 Required is 680 Borrower has 778 |  | 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 |
| 856871 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 11:28 | 2026-02-06 11:37 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Per Client, added debt to DTI - Due Diligence Vendor-02/06/2026 <br> Open-Borrower 1 Credit Report is Partially Present. Missing proof of why xxxxxx xxxxxx was excluded, not showing on CD as paid off. Upon receipt, additional documentation maybe required. If it is not to be excluded the loan must qualify and additional information maybe required. - Due Diligence Vendor-01/26/2026 |  | Resolved-Per Client, added debt to DTI - Due Diligence Vendor-02/06/2026<br>| CLTV is less than guidelines maximum - LTV Max is 90 Borrower has 15.83 Required is 90 Borrower has 59.92<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 778 Required is 680 Borrower has 778 |  | 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 |
| 856871 | xxxxxx C B A | Closed | xxxxxx | 2026-01-21 10:41 | 2026-01-21 10:41 | 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-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026<br>| CLTV is less than guidelines maximum - LTV Max is 90 Borrower has 15.83 Required is 90 Borrower has 59.92<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 778 Required is 680 Borrower has 778 |  | 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 |
| 856931 | xxxxxx C B A | Closed | xxxxxx | 2026-01-23 12:52 | 2026-03-04 14:15 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The property is vested in a trust since xxxxxx. This is also a xxxxxx-unit commercial property. - Due Diligence Vendor-03/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month pay history for REO xxxxxx, this is a mortgaged xxxxxx unit property. Lender did not include in DTI however borrower is 50% owner of the property. PITI was provided but lender did not count in DTI. - Due Diligence Vendor-01/23/2026 |  | Resolved-The property is vested in a trust since xxxxxx. This is also a xxxxxx-unit commercial property. - Due Diligence Vendor-03/04/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.19<br>LTV is less than guideline maximum - Required is 90 Borrower has 72.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 |  | 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 |
| 856931 | xxxxxx C B A | Closed | xxxxxx | 2026-01-20 10:07 | 2026-02-02 07:45 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-02/02/2026 <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 $2,350,644.61. The disclosed finance charge of $2,350,564.61 is not considered accurate for purposes of rescission because it is understated by more than $35. ------ Finance charge is understated by $45.00 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $45.00 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-01/20/2026 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-02/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.19<br>LTV is less than guideline maximum - Required is 90 Borrower has 72.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 |  | 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 |
| 856974 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 14:28 | 2026-02-06 12:20 | 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-02/06/2026 <br> Open-Missing proof of any HOA dues for the property labeled xxxxxx on the URLA. If there is no HOA dues please provide an attestation. Additional conditions may apply, pending review. - Due Diligence Vendor-01/27/2026 |  | Resolved-Received HOA verification. - Due Diligence Vendor-02/06/2026<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $43,409.04; minimum required NONE<br>Months Reserves exceed minimum required - minimum reserves needed = 3 months PITI(a) - borrower has 33 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856974 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 22:27 | 2026-02-02 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received OFAC report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/02/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Seller is not checked with OFAC/Exclusionary Lists - Due Diligence Vendor-01/28/2026 |  | Resolved-Received OFAC report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/02/2026<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $43,409.04; minimum required NONE<br>Months Reserves exceed minimum required - minimum reserves needed = 3 months PITI(a) - borrower has 33 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 857003 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 14:17 | 2026-01-16 14:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non material finding with comp factors. <br> - Due Diligence Vendor-01/16/2026 <br> Open-Prepayment Penalty is not allowed. Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-01/16/2026 |  | Waived-Client waiver applied to non material finding with comp factors. <br> - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - 16 months reserves exceeds 3 months per guides<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.28 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857003 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 14:27 | 2026-02-26 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received updated CD reflecting premium of xxxxxx. - Due Diligence Vendor-02/26/2026 <br> Counter-Received renewal and invoice for HOI policy reflecting premium xxxxxx. Final CD reflects premium paid in the amount of xxxxxx and monthly amount of xxxxxx Please clarify if renewal policy is final and provide PCCD and 1st payment letter corrected OR provide policy dec reflecting figures on CD. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. HOI - Seller-02/20/2026 <br> Counter-Review received HOI policy expiring xxxxxx with annual premium of xxxxxx. Final CD reflects annual premium paid of xxxxxx. Appears review is missing renewal HOI policy. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Need help on this one-\*\* The 1008 wont show it because this is an investment property. There is no other policy. It was submitted at the higher amount and then never changed when the actual policy came in, what do we need to do to cure this or fix it? please advise - Seller-01/26/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Monthly escrowed amount on CD/settlement is higher than what appears on the policy when divided annually. Lender to confirm what the discrepancy is and if there is another HOI policy. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. HOI - Seller-02/20/2026 <br> Ready for Review-Need help on this one-\*\* The 1008 wont show it because this is an investment property. There is no other policy. It was submitted at the higher amount and then never changed when the actual policy came in, what do we need to do to cure this or fix it? please advise - Seller-01/26/2026 | Resolved-Received updated CD reflecting premium of xxxxxx. - Due Diligence Vendor-02/26/2026 | Months Reserves exceed minimum required - 16 months reserves exceeds 3 months per guides<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.28 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857003 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 11:19 | 2026-01-28 09:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to less that 5% exception to LTV.<br> - Due Diligence Vendor-01/28/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted.- Buyer-01/26/2026 <br> Open-Audited LTV of 74.8% exceeds Guideline LTV of 70% Due to FICO score - Due Diligence Vendor-01/16/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to less that 5% exception to LTV.<br> - Due Diligence Vendor-01/28/2026<br>| Months Reserves exceed minimum required - 16 months reserves exceeds 3 months per guides<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.28 | 1 - DTI <= 36% which is below requirement in guidelines <br> 2 - 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 |
| 857003 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 11:00 | 2026-01-21 10:53 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Unexpired Gap Report. - Due Diligence Vendor-01/21/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 14 days old - Due Diligence Vendor-01/16/2026 |  | Resolved-Received Unexpired Gap Report. - Due Diligence Vendor-01/21/2026<br>| Months Reserves exceed minimum required - 16 months reserves exceeds 3 months per guides<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.28 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857020 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 10:27 | 2026-01-23 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Updated fraud report provided. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/23/2026 <br>Open-Third Party Fraud Report Partially Provided Missing compete Third Party Fraud Report including all transaction participants. - Due Diligence Vendor-01/13/2026 |  | Resolved-Updated fraud report provided. - Due Diligence Vendor-01/23/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75. Borrower has 1.292. Required is 0.75 Borrower has 1.292<br>Months Reserves exceed minimum required - Minimum of 6 months reserves required. Borrower has 10.93 months of verified reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857020 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 12:12 | 2026-01-23 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-IEAD is not required on investment properties. - Due Diligence Vendor-01/23/2026 <br>Open-Missing IEAD. - Due Diligence Vendor-01/13/2026 |  | Resolved-IEAD is not required on investment properties. - Due Diligence Vendor-01/23/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75. Borrower has 1.292. Required is 0.75 Borrower has 1.292<br>Months Reserves exceed minimum required - Minimum of 6 months reserves required. Borrower has 10.93 months of verified reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857149 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 12:50 | 2026-02-17 17:49 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Updated Mortgage with PUD rider provided. - Due Diligence Vendor-02/17/2026 <br>Open-PUD Rider is Missing Missing PUD Rider - Due Diligence Vendor-01/16/2026 |  | Resolved-Updated Mortgage with PUD rider provided. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 743 Required is 680 Borrower has 743<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (4.4k) |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857154 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857194 | xxxxxx C B A | Closed | xxxxxx | 2026-01-23 09:40 | 2026-01-23 15:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow LTV of 75% exceeds Guideline LTV of 70%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/23/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70%. Due to loan is I/O and DSCR <1 (max LTV is 70%) .<br> Lender Exception without compensating factors in file to allow LTV. Lender Exception Approval with compensating factors from xxxxxx is required. - Due Diligence Vendor-01/23/2026 |  | Waived-Client exception granted to allow LTV of 75% exceeds Guideline LTV of 70%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/23/2026<br>| On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30>than 35 months<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 794 and minimum allowed is 680. Required is 680 Borrower has 794 | -Score is 794 and minimum allowed is 680.<br> - On time mortgage history exceeds guideline requirement by 0x30>than 35 months.<br> - Experienced investor | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857210 | xxxxxx C A | Closed | xxxxxx | 2026-01-15 10:44 | 2026-02-25 07:04 | Resolved | 1 - Information C A | Compliance | Disclosure | Incorrect ROR Form Type selected | Resolved-Upon further review, the document(s) are located in original file, nothing further required - Due Diligence Vendor-02/25/2026 <br>Open-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). H9 form is not acceptable in place of H8 Form. - Due Diligence Vendor-01/15/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required - Due Diligence Vendor-02/25/2026<br>| Months Reserves exceed minimum required - 33.0 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 700 min score 660. Required is 660 Borrower has 700 |  | 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 |
| 857210 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 10:08 | 2026-02-09 11:21 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Title with no 9-11 not listed for Sch B part 1 and none listed for Sch b part 2. - Due Diligence Vendor-02/09/2026 <br> Counter-Per title company, Item cannot be removed but will no show on the Final Title. Pending receipt of the Final Title. - Due Diligence Vendor-01/28/2026 <br> Open-Property Title Issue Prelim reflects delinquent items 9-11, no updated title found. - Due Diligence Vendor-01/21/2026 |  | Resolved-Received Title with no 9-11 not listed for Sch B part 1 and none listed for Sch b part 2. - Due Diligence Vendor-02/09/2026<br>| Months Reserves exceed minimum required - 33.0 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 700 min score 660. Required is 660 Borrower has 700 |  | 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 |
| 857244 | xxxxxx D A | Closed | xxxxxx | 2026-01-06 16:04 | 2026-01-12 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-confirmation the xxxxxx has been installed on the xxxxxx. - Due Diligence Vendor-01/12/2026 <br> Open-Property Issues are identified for the property Provide documentation evidencing installation of a xxxxxx. - Due Diligence Vendor-01/06/2026 |  | Resolved-confirmation the xxxxxx has been installed on the xxxxxx. - Due Diligence Vendor-01/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 782 Required is 640 Borrower has 782<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.82 Required is 80 Borrower has 66.82 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857244 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 07:16 | 2026-01-09 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. see Flood Cert uploaded - Seller-01/08/2026 <br>Open-Missing Flood Certificate The file does not contain a flood cert. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. see Flood Cert uploaded - Seller-01/08/2026 | Resolved-Flood Certificate is fully - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 782 Required is 640 Borrower has 782<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.82 Required is 80 Borrower has 66.82 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857255 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-05 10:46 | 2026-02-17 11:36 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received email confirming no change in premium. - Due Diligence Vendor-02/17/2026 <br> Counter-Received Review of Changes. Proposed changes effective xxxxxx and disbursement date is xxxxxx. Also unable to confirm if premium was impacted. - Due Diligence Vendor-02/12/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. The replacement cost is $24.96 more than the coverage - Due Diligence Vendor-02/05/2026 |  | Resolved-Received email confirming no change in premium. - Due Diligence Vendor-02/17/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 |
| 857255 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-05 11:50 | 2026-02-17 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received SAM. GOV for all high alerts. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. 2/12/26 - Please see xxxxxx. Manually uploaded thru xxxxxx to avoid receipt issues. - Seller-02/12/2026 <br> Counter-Received duplicate Fraud Report. Missing SAM.gov verification for high alerts. - Due Diligence Vendor-02/12/2026 <br> Open-Missing Third Party Fraud Report All OFAC and exclusionary lists must be checked, high alerts to be addressed. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. 2/12/26 - Please see xxxxxx. Manually uploaded thru xxxxxx to avoid receipt issues. - Seller-02/12/2026 | Resolved-Received SAM. GOV for all high alerts. - Due Diligence Vendor-02/17/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 |
| 857255 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-03 12:39 | 2026-02-17 07:10 | Resolved | 1 - Information A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/17/2026 <br> Open-\*\*\*\*NEW\*\*\*\*---Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-02/11/2026 |  | Resolved-----Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/17/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 |
| 857255 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-03 12:39 | 2026-02-11 07:32 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-02/11/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($214.60). 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 $214.60 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $214.60, 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-02/03/2026 |  | Resolved------Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-02/11/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 |
| 857255 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-03 12:39 | 2026-02-11 07:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/11/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $118.40.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $118.40 (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 $118.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/03/2026 |  | Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/11/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 |
| 857255 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-03 09:59 | 2026-02-03 14:35 | 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-02/03/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 |
| 857257 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 22:36 | 2026-02-04 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-DEED OF TRUST, ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING, AND SECURITY AGREEMENT provided. PUD rider not required. - Due Diligence Vendor-02/04/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-02/04/2026 |  | Resolved-DEED OF TRUST, ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING, AND SECURITY AGREEMENT provided. PUD rider not required. - Due Diligence Vendor-02/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 62.5<br>Months Reserves exceed minimum required - Min 6, actual 244.07 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857259 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 06:41 | 2026-02-02 13:29 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-The 2nd parcel is an easement. Per the title company this is the recorded legal description of record, and cannot be removed. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-From Seller: Parcel 2 is part of the legal description. It cannot be removed. This easement and "separation" into parcel 2 is something that is necessary to the HOA. Hence why it could not be removed, but title was fine with it. - Due Diligence Vendor-02/02/2026 <br>Open-Property Title Issue Property Title issue- title has parcel 2 which is easement . provide clear title.<br> per email provided this will be removed on final poiicy. - Due Diligence Vendor-01/15/2026 |  | Resolved-The 2nd parcel is an easement. Per the title company this is the recorded legal description of record, and cannot be removed. - Due Diligence Vendor-02/02/2026<br>| Long term residence - Long Term Residence = 3+ years<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857259 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 06:58 | 2026-01-26 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report. - Due Diligence Vendor-01/26/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing Fraud report. Additional conditions may apply - Due Diligence Vendor-01/15/2026 |  | Resolved-Received complete fraud report. - Due Diligence Vendor-01/26/2026<br>| Long term residence - Long Term Residence = 3+ years<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857259 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 06:58 | 2026-01-26 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received complete fraud report with all parties searched. - Due Diligence Vendor-01/26/2026 <br>Open-OFAC Check Not Completed and/or Cleared Missing Fraud report. Additional conditions may apply. OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/15/2026 |  | Resolved-Received complete fraud report with all parties searched. - Due Diligence Vendor-01/26/2026<br>| Long term residence - Long Term Residence = 3+ years<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857259 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 06:58 | 2026-01-26 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete fraud report. - Due Diligence Vendor-01/26/2026 <br>Open-Missing Third Party Fraud Report Missing Fraud alert- background check report - Due Diligence Vendor-01/12/2026 |  | Resolved-Received complete fraud report. - Due Diligence Vendor-01/26/2026<br>| Long term residence - Long Term Residence = 3+ years<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857259 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 06:45 | 2026-01-16 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-01/16/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-01/15/2026 |  | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-01/16/2026<br>| Long term residence - Long Term Residence = 3+ years<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857264 | xxxxxx C A | Closed | xxxxxx | 2026-02-03 14:42 | 2026-02-06 12:00 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received preliminary title reflecting 24 months chain of title. - Due Diligence Vendor-02/06/2026 <br>Open-Unsatisfactory Chain of Title provided. Provide proper 24 month Chain of Title. - Due Diligence Vendor-02/03/2026 |  | Resolved-Received preliminary title reflecting 24 months chain of title. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 Required is 700 Borrower has 746<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857270 | 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 |  |  |  |
| 857279 | xxxxxx C A | Closed | xxxxxx | 2026-01-26 09:13 | 2026-02-06 12:03 | 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-02/06/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-01/26/2026 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/06/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 743 Required is 700 Borrower has 743 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857296 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 19:20 | 2026-01-23 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-01/23/2026 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Guaranty Agreement Missing - Due Diligence Vendor-01/17/2026 |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-01/23/2026<br>| Months Reserves exceed minimum required - 12.28 months reserves;<br>Long term residence - Long Term Residence = 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857296 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 20:05 | 2026-01-22 13:12 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Final SELLER CD/HUD - Due Diligence Vendor-01/22/2026 <br>Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/17/2026 |  | Resolved-Received Final SELLER CD/HUD - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 12.28 months reserves;<br>Long term residence - Long Term Residence = 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857296 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 20:05 | 2026-01-22 13:11 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH form. - Due Diligence Vendor-01/22/2026 <br>Open-Foreign National but the ACH form is Missing from file. Missing ACH Form. - Due Diligence Vendor-01/17/2026 |  | Resolved-Received ACH form. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 12.28 months reserves;<br>Long term residence - Long Term Residence = 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857298 | xxxxxx C B A | Closed | xxxxxx | 2026-01-12 13:17 | 2026-02-04 07:16 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received acknowledgement of borrower's receipt of Initial CD. Finding Resolved. - Due Diligence Vendor-02/04/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxxx 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-01/12/2026 |  | Resolved------Received acknowledgement of borrower's receipt of Initial CD. Finding Resolved. - Due Diligence Vendor-02/04/2026<br>| Long term residence - Long Term Residence = 14+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 11+ Years – Minimum = 2 Years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857298 | xxxxxx C B A | Closed | xxxxxx | 2026-01-12 12:21 | 2026-01-12 12:21 | 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-01/12/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/12/2026<br>| Long term residence - Long Term Residence = 14+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 11+ Years – Minimum = 2 Years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857325 | xxxxxx C A | Closed | xxxxxx | 2026-01-15 13:37 | 2026-02-04 11:35 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received CD from xxxxxx dated xxxxxx reflecting xxxxxx paid off. - Due Diligence Vendor-02/04/2026 <br> Open- Missing proof of payoff for Mortgage 1 made by xxxxxx to xxxxxx dated xxxxxx and recorded xxxxxx in Mortgage Book xxxxxx, Page 61. - Due Diligence Vendor-01/15/2026 |  | Resolved-Received CD from xxxxxx dated xxxxxx reflecting xxxxxx paid off. - Due Diligence Vendor-02/04/2026 | Months Reserves exceed minimum required - 99.89 months reserves; 12 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 744; guidelines require 700. Required is 700 Borrower has 744 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857331 | xxxxxx D A | Closed | xxxxxx | 2026-02-09 15:50 | 2026-02-18 09:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received 2 years 1040s transcripts. - Due Diligence Vendor-02/18/2026 <br>Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-02/09/2026 |  | Resolved-Received 2 years 1040s transcripts. - Due Diligence Vendor-02/18/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 69.71 Required is 80 Borrower has 69.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763 Required is 680 Borrower has 763<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.58 Required is 50 Borrower has 37.58 |  | 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 |
| 857331 | xxxxxx D A | Closed | xxxxxx | 2026-02-09 15:50 | 2026-02-18 09:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Received 2 years 1040s transcripts. - Due Diligence Vendor-02/18/2026 <br>Open-Borrower 2 IRS Transcripts Missing - Due Diligence Vendor-02/09/2026 |  | Resolved-Received 2 years 1040s transcripts. - Due Diligence Vendor-02/18/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 69.71 Required is 80 Borrower has 69.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763 Required is 680 Borrower has 763<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.58 Required is 50 Borrower has 37.58 |  | 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 |
| 857346 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 01:38 | 2026-02-19 10:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-After further review, the lease and proof of rents are in the loan file. - Due Diligence Vendor-02/19/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing proof of receipt of the rental income for property the listed as xxxxxx of the URLA. Per section 2.8.7 of the xxxxxx guideline, dated 11/10/2025, the lender must provide current proof of the receipt of rental income. The deposits must be in a separate bank account. Note: Any rental deposits made into the bank statements being used to qualify the bank statement income, must be excluded from the business income analysis and treated as a separate income calculation. It is noted that the lease are in the loan file. If rent is in the existing bank statements additional income conditions may apply. - Due Diligence Vendor-02/18/2026 |  | Resolved-After further review, the lease and proof of rents are in the loan file. - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 693 Required is 660 Borrower has 693<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $6,640 per month. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857364 | 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 |  |  |  |
| 857370 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857379 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857386 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-11 19:02 | 2026-03-23 12:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PCCD Resolved tolerance. - Due Diligence Vendor-03/23/2026 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $165.00.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-01/12/2026 |  | Resolved-PCCD Resolved tolerance. - Due Diligence Vendor-03/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.03<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $34K; minimum required $3k |  | 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 |
| 857386 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-15 20:17 | 2026-02-20 13:45 | 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-02/20/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Subject property: Missing note and satisfactory payment history (proof of payments) for private lien of xxxxxx taken xxxxxx per title OR document release occurred over 12-months prior to application <br> 2. Missing separation agreement - Due Diligence Vendor-01/16/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.03<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $34K; minimum required $3k |  | 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 |
| 857386 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-15 20:06 | 2026-02-20 13:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-No payments were made per note, all interest. - Due Diligence Vendor-02/20/2026 <br> Counter-Private party note provided. Full Reconveyance is in file. Please provide the payment history. - Due Diligence Vendor-02/19/2026 <br> Counter-Received response account is a HELOC not considered. Please refer to preliminary title report, schedule B #7 reflecting private lien xxxxxx opened xxxxxx. Finding remains: Missing note and satisfactory payment history (proof of payments) for private lien - Due Diligence Vendor-01/30/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Subject property: Missing note and satisfactory payment history (proof of payments) for private lien of xxxxxx taken xxxxxx per title OR document release occurred over 12-months prior to application - Due Diligence Vendor-01/16/2026 |  | Resolved-No payments were made per note, all interest. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.03<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $34K; minimum required $3k |  | 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 |
| 857386 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-15 20:07 | 2026-02-19 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Received separation agreement. - Due Diligence Vendor-02/19/2026 <br>Open-Historical title dating back to 2022 shows vesting held as married as sole property. Deed of Trust for subject shows married as sole property. 2024 Tax returns show borrower filed single (not married filing separately). Both initial and final 1003 show borrower is separated. Missing separation agreement. Additional findings may apply. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received separation agreement. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.03<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $34K; minimum required $3k |  | 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 |
| 857386 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-15 20:06 | 2026-02-10 08:32 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received Originator confirmation of the borrowers DOB, SSN, and that the borrower has willingly entered into the transaction for subject. - Due Diligence Vendor-02/10/2026 <br>Counter-Received commentary regarding no fraud victim alert on credit. Please refer to page 1 or 13 reflecting Fraud Victim alert and provide confirmation alert addressed and confirmation of borrower identification and request for credit completed. - Due Diligence Vendor-02/04/2026 <br>Counter-Credit report reflects Fraud Victim on Credit Report. Original finding remains. - Due Diligence Vendor-01/26/2026 <br>Open-Fraud Victim Alert on credit. Missing documentation Originator has confirmed the borrowers identity, which information it verified, and that the borrower has willingly entered into the transaction. Additional findings may apply. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received Originator confirmation of the borrowers DOB, SSN, and that the borrower has willingly entered into the transaction for subject. - Due Diligence Vendor-02/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.03<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $34K; minimum required $3k |  | 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 |
| 857386 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-15 19:46 | 2026-01-30 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received signed and dated P&L. - Due Diligence Vendor-01/30/2026 <br>Open-Borrower 1 YTD Profit & Loss Missing P&L for primary self-employment is not signed and dated. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received signed and dated P&L. - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.03<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $34K; minimum required $3k |  | 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 |
| 857386 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-11 18:38 | 2026-01-11 18:38 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/11/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/11/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.03<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $34K; minimum required $3k |  | 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 |
| 857413 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 16:37 | 2026-02-24 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received updated 1003 and 1008 - Due Diligence Vendor-02/24/2026 <br> Open-T&I are escrowed in the mtg payment for xxxxxx but Final Loan App reflects additional Ins, Tax or Association Dues of xxxxxx for this REO which are not included in the mtg payment. Provide verification of what this additional amount is for (HOA stmt, supplemental tax bill, additional HOI dec, etc). - Due Diligence Vendor-02/18/2026 |  | Resolved-Received updated 1003 and 1008 - Due Diligence Vendor-02/24/2026<br>| Months Reserves exceed minimum required - Reserves 14.4 months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.62 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857413 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 15:43 | 2026-02-23 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/23/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists xxxxxx (non borrowering spouse) not checked with exclusionary lists. - Due Diligence Vendor-02/18/2026 |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/23/2026<br>| Months Reserves exceed minimum required - Reserves 14.4 months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.62 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857436 | xxxxxx C A | Closed | xxxxxx | 2026-01-29 06:55 | 2026-01-29 16:44 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Guidelines allow rural with an LTV of 70%. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. This is not a valid stip – I need this removed ASAP – xxxxxx does in fact allow for rural transactions it is on their guides and matrices. Please resolve asap so I can request xxxxxx. see email sent with the screen shots from their guides and matrices supporting.this was also addressed on the 1008 that it was validated and reviewed/cleared.<br> It has a LIMITED LTV OF 70% which is met. <br>Primary Value Valuation Neighborhood Location Not Allowed for Program (property considered xxxxxx per appraisal).<br>- Seller-01/29/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program (property considered xxxxxx per appraisal). - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. This is not a valid stip – I need this removed ASAP – xxxxxx does in fact allow for rural transactions it is on their guides and matrices. Please resolve asap so I can request xxxxxx. see email sent with the screen shots from their guides and matrices supporting.this was also addressed on the 1008 that it was validated and reviewed/cleared.<br> It has a LIMITED LTV OF 70% which is met. <br>Primary Value Valuation Neighborhood Location Not Allowed for Program (property considered xxxxxx per appraisal).<br>- Seller-01/29/2026 | Resolved-Guidelines allow rural with an LTV of 70%. - Due Diligence Vendor-01/29/2026<br>| On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30>than 80 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 708 and minimum allowed is 660. Required is 660 Borrower has 708 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857438 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 19:02 | 2026-02-17 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-P&I provided for other property. - Due Diligence Vendor-02/17/2026 <br> Counter-Received Appraisal for xxxxxx to document HOA and Tax bill that confirm 2 lots to document taxes. Missing PI terms for xxxxxx closed concurrently. - Due Diligence Vendor-02/12/2026 <br> Open-For REO concurrently closed with this loan - Due Diligence Vendor-01/28/2026 |  | Resolved-P&I provided for other property. - Due Diligence Vendor-02/17/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - 70,000+ residual income exceeds $5250.<br>Months Reserves exceed minimum required - min 6, actual 259.41 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857438 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 18:11 | 2026-02-17 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax cert. provided. - Due Diligence Vendor-02/17/2026 <br> Counter-Received confirmation #7 met from preliminary title. Missing Evidence of Property Tax calculation documentation missing from loan file - Due Diligence Vendor-02/15/2026 <br> Counter-Received tax cert for xxxxxx. Provide for subject. Must meet #7 of schedule B on preliminary title. - Due Diligence Vendor-02/04/2026 <br> Open-Missing Evidence of Property Tax Tax calculation documentation missing from loan file - Due Diligence Vendor-01/27/2026 |  | Resolved-Tax cert. provided. - Due Diligence Vendor-02/17/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - 70,000+ residual income exceeds $5250.<br>Months Reserves exceed minimum required - min 6, actual 259.41 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857438 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 19:55 | 2026-02-05 15:02 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-This is a duplicate finding. The borrower refinance a cross-collateral loan into 2 separate loans. - Due Diligence Vendor-02/05/2026 <br>Open-Appears mortgage was blanket mortgage on both subject property and an REO that closed concurrently. Do not have payoff for subject portion nor the documents for the concurrent closing of the other REO - Due Diligence Vendor-01/28/2026 |  | Resolved-This is a duplicate finding. The borrower refinance a cross-collateral loan into 2 separate loans. - Due Diligence Vendor-02/05/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - 70,000+ residual income exceeds $5250.<br>Months Reserves exceed minimum required - min 6, actual 259.41 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 14:11 | 2026-02-17 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-PI terms provided for other property. - Due Diligence Vendor-02/17/2026 <br> Counter-Received Appraisal for xxxxxx to document HOA and Tax bill that confirm 2 lots to document taxes. Missing PI terms for xxxxxx closed concurrently. - Due Diligence Vendor-02/12/2026 <br> Open-Missing verification of taxes, for non-subject property REO xxxxxx (primary).<br> Missing verification of taxes, insurance, and/or HOA fees for non-subject property for REO xxxxxx. - Due Diligence Vendor-01/29/2026 |  | Resolved-PI terms provided for other property. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 14:45 | 2026-02-05 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-The borrower is paying off a blanket mortgage but is receiving no cash out with this transaction. - Due Diligence Vendor-02/05/2026 <br>Counter-Received 1008 reflecting not cross collateral. Only portion of loan paid at closing. Original finding remains. - Due Diligence Vendor-02/04/2026 <br>Open-Loan does not conform to program guidelines. Loan closing closing concurrently with an additional property paying off entire mortgage and subject loan is rate and term and should be considered cash out. Provide clarification for Cross- collateralization. - Due Diligence Vendor-01/29/2026 |  | Resolved-The borrower is paying off a blanket mortgage but is receiving no cash out with this transaction. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 08:29 | 2026-02-04 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement for xxxxxx - Due Diligence Vendor-02/04/2026 <br> Open-Missing HUD-1 Closing Statement for loan closing concurrently xxxxxx (due to both loans are paying off the first lien). - Due Diligence Vendor-01/29/2026 |  | Resolved-Received final settlement statement for xxxxxx - Due Diligence Vendor-02/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 14:20 | 2026-02-15 16:18 | Resolved | 1 - Information B A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received correct prepay addendum to Note and Rider to security instrument. - Due Diligence Vendor-02/15/2026 <br>Open-Pre-Payment Penalty Term is present but Maximum Pre-Payment Penalty Amount is 0 Prepayment Penalty Addendum is missing the Prepayment Penalty Amount. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received correct prepay addendum to Note and Rider to security instrument. - Due Diligence Vendor-02/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857449 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-25 14:18 | 2026-02-17 13:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | The Final SELLER CD/HUD is missing | Waived-Client exception granted to allow discrepancies between the title and seller paid liens on the HUD, as we have clear title. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Buyer-02/11/2026 <br> Counter-Received final Title. Review is unable to verify seller payoff as Seller proceeds to xxxxxx" of xxxxxx and "Principal Balance: Dec Release Price to xxxxxx" for xxxxxx; however, the Title reflects a lien of xxxxxx. It should be mentioned that the seller CD reflected the seller was charged no fees. Please have title clarify. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. 2/5/26 - Lender rebuttal response: Please see attached. We have uploaded the Final Title Policy and the recorded DOT. However, the title policy only reflects xxxxxx information. We requested the seller lien information from escrow, but escrow advised that the sellers proceeds and lien details are not related to the buyer side of the transaction, and therefore they are unable to provide that information. Since we have the Final Title Policy confirming clear title for the buyer, please advise if this requirement can be waived. Manually uploaded thru xxxxxx. - Buyer-02/05/2026 <br> Counter-Seller CD provided reflected "Full Seller proceeds to xxxxxx" of xxxxxx and "Principal Balance: Dec Release Price to xxxxxx" for xxxxxx; however, the Title reflects a lien of xxxxxx. It should be mentioned that the seller CD reflected the seller was charged no fees. - Due Diligence Vendor-01/29/2026 <br> Open-The Final SELLER CD/HUD is missing. Missing the Seller's final CD/ HUD for review. Upon receipt additional conditions maybe required. - Due Diligence Vendor-01/25/2026 |  | Waived-Client exception granted to allow discrepancies between the title and seller paid liens on the HUD, as we have clear title. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 35.35 Required is 50 Borrower has 35.35<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 746 Required is 680 Borrower has 746 | Credit Score 20 points > minimum required <br> Self-employed for > 2 years <br> Reserves exceed requirement by 2 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 |
| 857449 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-25 14:02 | 2026-01-30 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh and updated 1003/1008 - Due Diligence Vendor-01/30/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the Gap Credit Report. Upon receipt additional conditions maybe required. - Due Diligence Vendor-01/25/2026 |  | Resolved-Received credit refresh and updated 1003/1008 - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 35.35 Required is 50 Borrower has 35.35<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 746 Required is 680 Borrower has 746 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857449 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-25 13:31 | 2026-01-28 17:33 | Resolved | 1 - Information C A | Property | Appraisal | Two of more full valuation products not provided for loan amounts between xxxxxx | Resolved-Upon further review no additional documentation required - Due Diligence Vendor-03/23/2026 <br> Open-Additional valuation product has not been provided and Loan Amount is: xxxxxx Missing the Secondary Valuation Report to support the subject's appraisal report's value. - Due Diligence Vendor-01/25/2026 |  | Resolved-Upon further review no additional documentation required - Due Diligence Vendor-03/23/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 35.35 Required is 50 Borrower has 35.35<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 746 Required is 680 Borrower has 746 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857496 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857505 | xxxxxx C A | Closed | xxxxxx | 2026-02-06 16:43 | 2026-02-20 14:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/20/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $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 review 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 - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/09/2026 |  | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.95 Required is 50 Borrower has 28.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 Required is 720 Borrower has 791 |  | 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 |
| 857505 | xxxxxx C A | Closed | xxxxxx | 2026-02-10 20:59 | 2026-02-20 14:09 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Property xxxxxx owned by an LLC; property reports provided with no HOA. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Lender response: There are no missing EOI documents for any of the REO properties owned by the borrower. Additionally, xxxxxx is not owned by the borrower. Other than the subject property, none of the borrower's REO properties require HOA documentation. Please find the Property Profiles for the REOs and the relevant supporting documents attached for your review. Please review and waive the condition. - Due Diligence Vendor-02/20/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing proof of the HOI for the property listed as xxxxxx of the URL. Also missing an attestation regarding any HOA dues for the REOS - Due Diligence Vendor-02/11/2026 |  | Resolved-Property xxxxxx owned by an LLC; property reports provided with no HOA. - Due Diligence Vendor-02/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.95 Required is 50 Borrower has 28.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 Required is 720 Borrower has 791 |  | 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 |
| 857505 | xxxxxx C A | Closed | xxxxxx | 2026-02-11 15:16 | 2026-02-19 11:29 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Upon further review, cash out requirements have been met. - Due Diligence Vendor-02/19/2026 <br>Open-Cash Out Does Not Meet Guideline Requirements Amount of cash out exceeds the maximum of $750K for the LTV. - Due Diligence Vendor-02/11/2026 |  | Resolved-Upon further review, cash out requirements have been met. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.95 Required is 50 Borrower has 28.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 Required is 720 Borrower has 791 |  | 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 |
| 857505 | xxxxxx C A | Closed | xxxxxx | 2026-02-06 16:43 | 2026-02-18 13:58 | 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-02/18/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $3,810,678.38. The disclosed finance charge of $3,734,584.97 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 $3,810,678.38. The disclosed finance charge of $3.734.584.97 is not considered accurate because it is understated by more than $100 at $76093.41. Provide evidence of refund or principal reduction of $76093.41, 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. statute of Limitations - 1 year, expiration date xxxxxx. Please provide index used. - Due Diligence Vendor-02/09/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.95 Required is 50 Borrower has 28.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 Required is 720 Borrower has 791 |  | 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 |
| 857505 | xxxxxx C A | Closed | xxxxxx | 2026-02-06 16:43 | 2026-02-18 13:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/18/2026 <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 $3,810,678.38. The disclosed finance charge of $3,734,584.97 is not considered accurate for purposes of rescission because it is understated by more than $35. Finance charge is understated by $76093.41 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $76093.41 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. Please provide Index used. - Due Diligence Vendor-02/09/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.95 Required is 50 Borrower has 28.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 Required is 720 Borrower has 791 |  | 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 |
| 857505 | xxxxxx C A | Closed | xxxxxx | 2026-02-06 16:43 | 2026-02-18 13:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/18/2026 <br>Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $6,124,158.38. The disclosed total of payments charge of $6,048,189.97 is not considered accurate for purposes of rescission because it is understated by more than $35. ----- This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $6,124,158.38. The disclosed total of payments charge of $6,048,189.97 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-02/09/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.95 Required is 50 Borrower has 28.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 Required is 720 Borrower has 791 |  | 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 |
| 857505 | xxxxxx C A | Closed | xxxxxx | 2026-02-06 16:43 | 2026-02-18 13:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/18/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $6,124,158.38. The disclosed total of payments of $6,048,189.97 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. Finance charge is understated by $76093.41 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $76093.41 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. Please provide Index used. - Due Diligence Vendor-02/09/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.95 Required is 50 Borrower has 28.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 Required is 720 Borrower has 791 |  | 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 |
| 857509 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857535 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 15:31 | 2026-02-04 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-02/04/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Affidavit/Disclosure Missing. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-02/04/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 68.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 807 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857554 | xxxxxx C A | Closed | xxxxxx | 2026-01-27 14:51 | 2026-01-30 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received asset printout reflecting sufficient reserves. - Due Diligence Vendor-01/30/2026 <br>Open-Audited Reserves of 0.98 month(s) are less than Guideline Required Reserves of 2 month(s) Provide source of additional funds to cover reserve requirement of 2 months - Due Diligence Vendor-01/28/2026 |  | Resolved-Received asset printout reflecting sufficient reserves. - Due Diligence Vendor-01/30/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 22.73<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 789 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857600 | xxxxxx D A | Closed | xxxxxx | 2026-01-22 16:54 | 2026-02-03 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received originators calculations: xxxxxx (as-is) \* 85%= xxxxxx \* 11.5125 (total millage) = xxxxxx. We upped it to xxxxxx just in case. - Due Diligence Vendor-02/03/2026 <br> Open-Missing Evidence of Property Tax Lender to provide a Tax Certificate/Estimate for subject property. Per tax bill in file, subject RE taxes using an assed value of xxxxxx and appraisal reflects subj is xxxxxx with appraised value of xxxxxx. Audit utilized the escrowed tax amount from settlement statement to calculate the DSCR ratio. Additional conditions may apply, pending review. - Due Diligence Vendor-01/22/2026 |  | Resolved-Received originators calculations: xxxxxx (as-is) \* 85%= xxxxxx (total millage) = xxxxxx. We upped it to xxxxxx just in case. - Due Diligence Vendor-02/03/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 60<br>Months Reserves exceed minimum required - 7.92 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857600 | xxxxxx D A | Closed | xxxxxx | 2026-01-22 17:14 | 2026-02-03 10:18 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received confirmation borrower has 100% management control over business assets. - Due Diligence Vendor-02/03/2026 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Borrower is 81% owner of the entity holding the account (per operating agreement in file), Lender to provide proof of access to 100% of the funds from other member (non-borrowing spouse). Additional conditions may apply. - Due Diligence Vendor-01/22/2026 |  | Resolved-Received confirmation borrower has 100% management control over business assets. - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60<br>Months Reserves exceed minimum required - 7.92 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857600 | xxxxxx D A | Closed | xxxxxx | 2026-01-15 21:17 | 2026-01-23 12:36 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-The lender confirmed there is a 3 year prepay. - Due Diligence Vendor-01/23/2026 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. PPP in note reflects 36 month term, through xxxxxx: Declining 3%,2%,1% per year. - Due Diligence Vendor-01/16/2026 |  | Resolved-The lender confirmed there is a 3 year prepay. - Due Diligence Vendor-01/23/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60<br>Months Reserves exceed minimum required - 7.92 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857653 | xxxxxx D B A | Closed | xxxxxx | 2026-01-27 09:55 | 2026-02-23 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/23/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Rep - Due Diligence Vendor-01/27/2026 |  | Resolved-Received Gap Report. - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.01<br>Months Reserves exceed minimum required - 12.68 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 |
| 857653 | xxxxxx D B A | Closed | xxxxxx | 2026-01-27 09:45 | 2026-02-23 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received income worksheet. - Due Diligence Vendor-02/23/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing IWS <br> - Due Diligence Vendor-01/27/2026 |  | Resolved-Received income worksheet. - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.01<br>Months Reserves exceed minimum required - 12.68 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 |
| 857653 | xxxxxx D B A | Closed | xxxxxx | 2026-01-21 10:56 | 2026-01-21 10:56 | 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-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.01<br>Months Reserves exceed minimum required - 12.68 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 |
| 857695 | xxxxxx C A | Closed | xxxxxx | 2026-02-19 18:33 | 2026-03-12 16:26 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Payment history provided. - Due Diligence Vendor-03/12/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide Verification of Rent and Verification of prior Mortgage, URLA indicates borrower is renting and had a prior mortgage, additional findings may apply. - Due Diligence Vendor-02/24/2026 |  | Resolved-Payment history provided. - Due Diligence Vendor-03/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.32 Required is 50 Borrower has 25.32<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 715 Required is 640 Borrower has 715 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857695 | xxxxxx C A | Closed | xxxxxx | 2026-02-19 18:15 | 2026-03-12 16:25 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Updated income calc provided. All payroll deposits were excluded. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. Please see attached breakdown for funds to close. xxxxxx deposits excluded. - Buyer-03/12/2026 <br>Open-Income and Employment Do Not Meet Guidelines Provide documentation all transfers from xxxxxx in business account are business related and not payroll from other income, additional findings may apply. - Due Diligence Vendor-02/24/2026 |  | Resolved-Updated income calc provided. All payroll deposits were excluded. - Due Diligence Vendor-03/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.32 Required is 50 Borrower has 25.32<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 715 Required is 640 Borrower has 715 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857695 | xxxxxx C A | Closed | xxxxxx | 2026-02-19 21:59 | 2026-03-12 16:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received 2 months bank statements reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-03/05/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) . Provide additional assets to cover reserve requirement - Due Diligence Vendor-02/24/2026 |  | Resolved-Received 2 months bank statements reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-03/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.32 Required is 50 Borrower has 25.32<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 715 Required is 640 Borrower has 715 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857695 | xxxxxx C A | Closed | xxxxxx | 2026-02-19 18:15 | 2026-03-11 17:25 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-After further review, the 1003 contains a 2 year employment history. - Due Diligence Vendor-03/11/2026 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months , provide documentation borrower has been self employed for 24 months, additional findings may apply. - Due Diligence Vendor-02/24/2026 |  | Resolved-After further review, the 1003 contains a 2 year employment history. - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.32 Required is 50 Borrower has 25.32<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 715 Required is 640 Borrower has 715 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857695 | xxxxxx C A | Closed | xxxxxx | 2026-02-19 21:20 | 2026-03-05 11:30 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received 2 months bank statements reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-03/05/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-55163.25'. Assets are Insufficient. Borrower is short funds to close and did not verify emd, 1003 indicates xxxxxx xxxxxx with $150k statement was not provided. - Due Diligence Vendor-02/24/2026 |  | Resolved-Received 2 months bank statements reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-03/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.32 Required is 50 Borrower has 25.32<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 715 Required is 640 Borrower has 715 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857718 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-15 11:28 | 2026-02-04 13:21 | Resolved | 1 - Information C A | Credit | Income/Employment | Missing most recent 2 months | Resolved-Received LOE from spouse, 100% access to the account was noted. - Due Diligence Vendor-02/04/2026 <br>Counter-Received property profile. Missing 2 months of proof of the receipt of rental income. File included a rental owner statement from property manager; however, the 3 months of deposits documented were not to the borrower but to a third party (same third party noted on purchase agreement.) - Due Diligence Vendor-01/30/2026 <br>Counter-Received Property Profile. Property profile did not reflect third party as owner and noted. Finding remains. - Due Diligence Vendor-01/28/2026 <br>Open-Missing 2 months of proof of the receipt of rental income. File included a rental owner statement from property manager; however, the 3 months of deposits documented were not to the borrower but to a third party (same third party noted on purchase agreement.) Additional findings may apply since Audit gave credit for rent amount noted on lease. If funds were not paid to borrower, DTI to be recalculated including the full PITI payment.<br> - Due Diligence Vendor-01/15/2026 |  | Resolved-Received LOE from spouse, 100% access to the account was noted. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 811<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $9,084.48; minimum required NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857718 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-15 12:15 | 2026-02-02 12:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of pmnt to xxxxxx 12/5/25 - Due Diligence Vendor-02/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence of the 11/2025 payment for B1 REO xxxxxx. Date last paid on gap credit report is 10/2025. Guidelines allow 1x30x12; however, REO xxxxxx is 1x30x12 (12/2025 payment was reported as delinquent on gap credit report). Additional findings may apply. - Due Diligence Vendor-01/15/2026 |  | Resolved-Received proof of pmnt to xxxxxx 12/5/25 - Due Diligence Vendor-02/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 811<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $9,084.48; minimum required NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857718 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-15 10:46 | 2026-01-29 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received final 1003 forr B2 - Due Diligence Vendor-01/29/2026 <br>Open-Missing final signed 1003 for B2. Information taken from initial 1003. Additional findings may apply. - Due Diligence Vendor-01/15/2026 |  | Resolved-Received final 1003 forr B2 - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 811<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $9,084.48; minimum required NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857718 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-15 12:36 | 2026-01-28 11:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver audited Reserves of 11.95 month(s) are less than Guideline Required Reserves of 12 month(s) 1, applied to non material finding with comp factors - Due Diligence Vendor-01/28/2026 <br>Open-Audited Reserves of 11.95 month(s) are less than Guideline Required Reserves of 12 month(s) 12 months reserves required for escrow waiver. All assets present in file were included. - Due Diligence Vendor-01/15/2026 |  | Waived-Client provided a waiver audited Reserves of 11.95 month(s) are less than Guideline Required Reserves of 12 month(s) 1, applied to non material finding with comp factors - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 811<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $9,084.48; minimum required NONE | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines / Compensating Factor 3 - Employed at same job > 2 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857718 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-15 11:35 | 2026-01-28 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Upon further review, the loan file contained all required documentation. Average deposits are $33,941.68 per audit review. Noted deposits are not 100% of average. - Due Diligence Vendor-01/28/2026 <br> Open-Missing source of following large deposits: $27,211.92 01/24/2025; $21,484 07/15/2025; $19,413.85 07/15/2025; and $20,000 08/18/2025. Excluding these deposits would result in a DTI that exceeds guideline maximum. Per the requirements of guideline section 2.8.6.2, large deposits exceeding 100% of the average monthly sales for the business must be excluded from the income calculation unless documentation provided supporting the deposits were business related. Additional findings may apply since Audit included the deposits as a part of qualifying income. - Due Diligence Vendor-01/15/2026 |  | Resolved-Upon further review, the loan file contained all required documentation. Average deposits are $33,941.68 per audit review. Noted deposits are not 100% of average. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 811<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $9,084.48; minimum required NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857718 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-11 10:57 | 2026-01-28 09:15 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/28/2026 <br> Counter------Please provide a copy of the borrower's PCCD from xxxxxx, Unable to use seller's CD. Finding Remains. - Due Diligence Vendor-01/23/2026 <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. -----Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-01/11/2026 |  | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 811<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $9,084.48; minimum required NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857718 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-15 12:17 | 2026-01-27 10:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Alerts Summary with cleared alerts. - Due Diligence Vendor-01/27/2026 <br>Open-Fraud Report Shows Uncleared Alerts Missing documentation used to clear high alert for B1's SSN. Additional findings may apply. - Due Diligence Vendor-01/15/2026 |  | Resolved-Received Alerts Summary with cleared alerts. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 811<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $9,084.48; minimum required NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857718 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-15 12:29 | 2026-01-23 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-01/23/2026 <br>Open-The Final SELLER CD/HUD is missing. Additional findings may apply. - Due Diligence Vendor-01/15/2026 |  | Resolved-Received Seller CD. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 811<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $9,084.48; minimum required NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857730 | xxxxxx C A | Closed | xxxxxx | 2026-01-26 09:29 | 2026-02-09 12:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received missing payment history. - Due Diligence Vendor-02/09/2026 <br> Counter-Lease agreement and 12 month bank statements provided. Please provide 11/2025 and 12/2025 payment. Loan closed in xxxxxx. - Due Diligence Vendor-02/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrowers currently rent. Missing VOR. - Due Diligence Vendor-01/26/2026 |  | Resolved-Received missing payment history. - Due Diligence Vendor-02/09/2026<br>| LTV is less than guideline maximum - LTV below max allowable Required is 80 Borrower has 34.09<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 805 Required is 660 Borrower has 805 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857753 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857764 | xxxxxx D A C | Closed | xxxxxx | 2026-02-20 14:11 | 2026-02-26 11:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received December statement confirming 10k sent to title. - Due Diligence Vendor-02/26/2026 <br>Counter-Received lender comment "Please review the last page of the credit package." All received assets noted. Please provide additional assets. - Due Diligence Vendor-02/25/2026 <br>Open-Audited Reserves of 3.19 month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient assets to support total reserves required. (missing bank statement documentation to support the transfer of the EMD). - Due Diligence Vendor-02/20/2026 |  | Resolved-Received December statement confirming 10k sent to title. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score 724 and minimum allowed is 660. Required is 660 Borrower has 724<br>Qualifying DTI below maximum allowed - DTI is 40.49% and max allowed is 50% Required is 50 Borrower has 40.49 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857764 | xxxxxx D A C | Closed | xxxxxx | 2026-02-19 13:03 | 2026-02-25 07:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required - Due Diligence Vendor-02/25/2026 <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-02/19/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score 724 and minimum allowed is 660. Required is 660 Borrower has 724<br>Qualifying DTI below maximum allowed - DTI is 40.49% and max allowed is 50% Required is 50 Borrower has 40.49 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857791 | xxxxxx D B A | Closed | xxxxxx | 2026-02-05 18:12 | 2026-02-09 16:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Please see attached. xxxxxx! - Due Diligence Vendor-02/09/2026 <br>Open-Missing Third Party Fraud Report Missing - Due Diligence Vendor-02/06/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 41.73 |  | 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 |
| 857791 | xxxxxx D B A | Closed | xxxxxx | 2026-02-03 11:30 | 2026-02-03 12:11 | 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-02/03/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client Waiver applied to non-material findings - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 41.73 |  | 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 |
| 857794 | xxxxxx B A | Closed | xxxxxx | 2026-02-02 11:43 | 2026-02-02 11:43 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-02/02/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 788<br>Months Reserves exceed minimum required - Borrowers min reserves = 6 months P&I Borr has10.69 month |  | 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 |
| 857801 | xxxxxx C B A | Closed | xxxxxx | 2026-01-23 10:03 | 2026-02-05 12:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/05/2026 <br> Open-Prepayment Penalty is not allowed. xxxxxx: "Fixed Rate when closing in LLC or as individual, permitted if interest rate is equal to or less than 6%" (Interest Rate 7.25) - Due Diligence Vendor-01/23/2026 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 761 Required is 700 Borrower has 761<br>Months Reserves exceed minimum required - 391 mths reserves; 12 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857801 | xxxxxx C B A | Closed | xxxxxx | 2026-01-23 10:28 | 2026-02-05 12:39 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval. - Due Diligence Vendor-02/05/2026 <br>Open-Missing Approval/Underwriting Summary Missing Approval//DSCR Calc - Due Diligence Vendor-01/23/2026 |  | Resolved-Received Approval. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 761 Required is 700 Borrower has 761<br>Months Reserves exceed minimum required - 391 mths reserves; 12 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857861 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 16:34 | 2026-01-29 16:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Final CD incudes a Lender Credit of $143.30 for increase in closing cost above legal limit. (.45 difference is due to a rounding issue flood cert.) - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($173.00) exceed the comparable charges ($27.00) 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 $143.30 without a valid COC in file. However, there is a lender credit for fee's above legal limit in the amount of $143.30 on Final Cd xxxxxx. Resolved. - Due Diligence Vendor-01/26/2026 |  | Resolved-Final CD incudes a Lender Credit of $143.30 for increase in closing cost above legal limit. (.45 difference is due to a rounding issue flood cert.) - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.3 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857861 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 21:37 | 2026-01-26 22:38 | 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 -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/27/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.3 |  | 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 |
| 857866 | xxxxxx D A | Closed | xxxxxx | 2026-02-04 12:48 | 2026-02-05 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report was not required. - Due Diligence Vendor-02/05/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/04/2026 |  | Resolved-Borrower 1 Gap Credit Report was not required. - Due Diligence Vendor-02/05/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 43.98 Required is 80 Borrower has 43.98<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 Required is 660 Borrower has 798<br>Qualifying DTI below maximum allowed - Required is 85 Borrower has 50 Required is 85 Borrower has 50 |  | 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 |
| 857868 | xxxxxx D B A | Closed | xxxxxx | 2026-01-28 13:03 | 2026-02-09 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE reflecting a start date of xxxxxx - Due Diligence Vendor-02/09/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE start date reflects xxxxxx while the paystub start date is 11/10/25 and. It should be noted that The Work Number report, dated 1/16/2026, reflects the borrower's tenure as 0 years, 0 months. Lender to provide an updated VOE and/or VVOE that aligns with paystub in file. Additional conditions may apply. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received VVOE reflecting a start date of xxxxxx - Due Diligence Vendor-02/09/2026 | CLTV is less than guidelines maximum - Required is 80 Borrower has 41.3<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 768 |  | 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 |
| 857868 | xxxxxx D B A | Closed | xxxxxx | 2026-01-23 11:20 | 2026-01-23 11:20 | 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-01/23/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-01/23/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 41.3<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 768 |  | 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 |
| 857873 | xxxxxx D B A | Closed | xxxxxx | 2026-01-27 12:18 | 2026-02-06 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI Policy. - Due Diligence Vendor-02/06/2026 <br> Counter-Received HOI binder reflecting policy number. Binder received expired xxxxxx. Provide complete, annual, evidence of HOI. - Due Diligence Vendor-02/03/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Binder with no policy number provided - Due Diligence Vendor-01/27/2026 |  | Resolved-Received HOI Policy. - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24 Required is 50 Borrower has 14.24<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 Required is 660 Borrower has 779 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857873 | xxxxxx D B A | Closed | xxxxxx | 2026-01-27 13:56 | 2026-02-03 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller final CD - Due Diligence Vendor-02/03/2026 <br>Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/27/2026 |  | Resolved-Received seller final CD - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24 Required is 50 Borrower has 14.24<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 Required is 660 Borrower has 779 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857873 | xxxxxx D B A | Closed | xxxxxx | 2026-01-27 13:42 | 2026-02-03 10:32 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received final signed CD for sale of property. - Due Diligence Vendor-02/03/2026 <br>Open-Asset 4 Does Not Meet Guideline Requirements Signed settlement statement/CD or proof of funds received not found in file. - Due Diligence Vendor-01/27/2026 |  | Resolved-Received final signed CD for sale of property. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24 Required is 50 Borrower has 14.24<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 Required is 660 Borrower has 779 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857873 | xxxxxx D B A | Closed | xxxxxx | 2026-01-27 12:14 | 2026-02-03 10:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client provided a waiver for Rural Property, applied to non material finding with comp factors - Due Diligence Vendor-02/03/2026 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program No exception found in file, per guides Rural is ineligible. - Due Diligence Vendor-01/27/2026 |  | Waived-Client provided a waiver for Rural Property, applied to non material finding with comp factors - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24 Required is 50 Borrower has 14.24<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 Required is 660 Borrower has 779 | LTV/CLTV: 10% or more below maximum allowed<br> Credit Score 20 points > minimum required 793>720<br> Reserves exceed requirements by 2 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 |
| 857873 | xxxxxx D B A | Closed | xxxxxx | 2026-01-22 09:08 | 2026-01-28 15:19 | 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 7.197% is within allowable threshold of APOR of 6.19%% + 1.75% or 7.94%. - Due Diligence Vendor-01/28/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.197% is within allowable threshold of APOR of 6.19%% + 1.75% or 7.94%. - Due Diligence Vendor-01/22/2026 |  | Resolved-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.197% is within allowable threshold of APOR of 6.19%% + 1.75% or 7.94%. - Due Diligence Vendor-01/28/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24 Required is 50 Borrower has 14.24<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 Required is 660 Borrower has 779 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857875 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 14:46 | 2026-02-17 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-After further review, the VOE is in the loan file. - Due Diligence Vendor-02/17/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE not found in file - Due Diligence Vendor-02/11/2026 |  | Resolved-After further review, the VOE is in the loan file. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.55 Required is 50 Borrower has 9.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 Required is 660 Borrower has 739 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857875 | xxxxxx D B A | Closed | xxxxxx | 2026-02-11 11:44 | 2026-02-17 14:06 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. Exception for borrower type provided. - Due Diligence Vendor-02/17/2026 <br>Counter-Review is unable to locate originator and client exception approval within package received. Please provide. - Due Diligence Vendor-02/15/2026 <br>Open-File is missing lender exception as noted on 1008 for obtained for EAD status not on eligible list - Due Diligence Vendor-02/11/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for borrower type provided. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.55 Required is 50 Borrower has 9.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 Required is 660 Borrower has 739 | 112k+ residual; 1'<br> 20+ month reserves vs 6 month minimum; <br> 10% DTI vs 50% max;<br> 0x30 on multiple mortgages; departing residence mortgage<br> 0x30x68; <br> 5+ years business ownership/self-employme | 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 |
| 857878 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857892 | 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 |  |  |  |
| 857901 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 12:29 | 2026-03-20 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received mortgage statement for xxxxxx and xxxxxx. Escrows included. - Due Diligence Vendor-02/04/2026 <br> Counter-Received question of if 12 months proof of payment is required. Need to verify that the T&I (escrows) were included in the total payment for xxxxxx and xxxxxx. - Due Diligence Vendor-02/02/2026 <br> Counter-Received credit report. Missing confirmation accounts are escrowed. - Due Diligence Vendor-01/29/2026 <br> Counter-Received xxxxxx account and xxxxxx inactive screenshot. Need to verify that the T&I were included in the total payment for xxxxxx and xxxxxx. - Due Diligence Vendor-01/28/2026 <br> Counter-Received mortgage statements for xxxxxx and xxxxxx. Finding is requesting acct xxxxxx. - Due Diligence Vendor-01/22/2026 <br> Open-Missing Verification of Mortgage for REO xxxxxx acct xxxxxx and REO xxxxxx acct xxxxxx. Need to verify that the T&I were included in the total payment. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received mortgage statement for xxxxxx and xxxxxx. Escrows included. - Due Diligence Vendor-02/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 680 Required is 680 Borrower has 743<br>LTV is less than guideline maximum - LTV is 65.15% and max allowed is 75% Required is 75 Borrower has 65.15<br>Qualifying DTI below maximum allowed - DTI is 34.4% and max allowed is 50% Required is 50 Borrower has 34.4 |  | 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 |
| 857901 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 13:14 | 2026-02-04 12:50 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Missing Credit Documentation. - Due Diligence Vendor-02/04/2026 <br>Counter-Pending Housing Findings. - Due Diligence Vendor-02/02/2026 <br>Counter-Pending Housing Findings. - Due Diligence Vendor-01/22/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received Missing Credit Documentation. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 680 Required is 680 Borrower has 743<br>LTV is less than guideline maximum - LTV is 65.15% and max allowed is 75% Required is 75 Borrower has 65.15<br>Qualifying DTI below maximum allowed - DTI is 34.4% and max allowed is 50% Required is 50 Borrower has 34.4 |  | 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 |
| 857901 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 12:46 | 2026-01-30 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received complete payment history for xxxxxx - Due Diligence Vendor-01/30/2026 <br> Counter-Received documentation of account transferred. 12 month history still must be obtained. - Due Diligence Vendor-01/28/2026 <br> Counter-Received Mortgage Statement. Missing a completed 12 month history for xxxxxx REO xxxxxx. - Due Diligence Vendor-01/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing a completed 12 month history for xxxxxx REO xxxxxx. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received complete payment history for xxxxxx - Due Diligence Vendor-01/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 680 Required is 680 Borrower has 743<br>LTV is less than guideline maximum - LTV is 65.15% and max allowed is 75% Required is 75 Borrower has 65.15<br>Qualifying DTI below maximum allowed - DTI is 34.4% and max allowed is 50% Required is 50 Borrower has 34.4 |  | 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 |
| 857901 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 12:46 | 2026-01-30 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report not reflecting any new inquiries after initial report. - Due Diligence Vendor-01/23/2026 <br>Counter-Received Fraud Report. Fraud report did not disclose Debt Monitoring was started. - Due Diligence Vendor-01/22/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received Gap report not reflecting any new inquiries after initial report. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 680 Required is 680 Borrower has 743<br>LTV is less than guideline maximum - LTV is 65.15% and max allowed is 75% Required is 75 Borrower has 65.15<br>Qualifying DTI below maximum allowed - DTI is 34.4% and max allowed is 50% Required is 50 Borrower has 34.4 |  | 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 |
| 857901 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 12:48 | 2026-01-29 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received clearance of high risks via UW narrative. - Due Diligence Vendor-01/29/2026 <br>Counter-Fraud report provided has uncleared alerts. - Due Diligence Vendor-01/27/2026 <br>Counter-Documentation was not attached. - Due Diligence Vendor-01/26/2026 <br>Open-Missing Third Party Fraud Report . The Fraud Report Is required. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received clearance of high risks via UW narrative. - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 680 Required is 680 Borrower has 743<br>LTV is less than guideline maximum - LTV is 65.15% and max allowed is 75% Required is 75 Borrower has 65.15<br>Qualifying DTI below maximum allowed - DTI is 34.4% and max allowed is 50% Required is 50 Borrower has 34.4 |  | 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 |
| 857901 | xxxxxx D B A | Closed | xxxxxx | 2026-01-12 17:15 | 2026-01-12 17:15 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/12/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 680 Required is 680 Borrower has 743<br>LTV is less than guideline maximum - LTV is 65.15% and max allowed is 75% Required is 75 Borrower has 65.15<br>Qualifying DTI below maximum allowed - DTI is 34.4% and max allowed is 50% Required is 50 Borrower has 34.4 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 857909 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-27 15:45 | 2026-02-04 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Amendment. - Due Diligence Vendor-02/04/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Need addendum to sales contract signed by all parties reducing seller concession down to xxxxxx - Due Diligence Vendor-01/27/2026 |  | Resolved-Received Amendment. - Due Diligence Vendor-02/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.63 Required is 50 Borrower has 41.63<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 Required is 660 Borrower has 733<br>Months Reserves exceed minimum required - We have 33.97 mos in reserves - we only needed 4 mos verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857909 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-27 16:23 | 2026-02-02 12:17 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/02/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Need withdrawal documentation from donors xxxxxx acct xxxxxx showing gift came from donor. - Due Diligence Vendor-01/27/2026 |  | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.63 Required is 50 Borrower has 41.63<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 Required is 660 Borrower has 733<br>Months Reserves exceed minimum required - We have 33.97 mos in reserves - we only needed 4 mos verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857909 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-22 03:35 | 2026-02-02 07:56 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-----Received copy of audit trail showing disclosure sent out xxxxxx. Finding Resolved. - Due Diligence Vendor-02/02/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on 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.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Homeownership counseling organizations disclosure date is xxxxxx which is not within the three business days of the originators application date. xxxxxx was a holiday. - Due Diligence Vendor-01/22/2026 |  | Resolved-----Received copy of audit trail showing disclosure sent out xxxxxx. Finding Resolved. - Due Diligence Vendor-02/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.63 Required is 50 Borrower has 41.63<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 Required is 660 Borrower has 733<br>Months Reserves exceed minimum required - We have 33.97 mos in reserves - we only needed 4 mos verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857909 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-22 03:13 | 2026-01-22 11:00 | 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-01/22/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-01/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.63 Required is 50 Borrower has 41.63<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 Required is 660 Borrower has 733<br>Months Reserves exceed minimum required - We have 33.97 mos in reserves - we only needed 4 mos verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857912 | xxxxxx D A | Closed | xxxxxx | 2026-01-25 11:08 | 2026-02-09 12:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Document Uploaded. Tax advisor verified business ownership with access letter. - Due Diligence Vendor-02/09/2026 <br> Counter-Per UW, new account, however it is in the name of an LLC. Please provide ownership %, date opened and the purpose of why the bank statement LLC is for the subject property. - Due Diligence Vendor-02/09/2026 <br> Open-Asset 2 Less Than 2 Months Verified missing 1 month covering 30 days of account history for acct xx xxxxxx with xxxxxx - only 8 days of history is provided. - Due Diligence Vendor-01/25/2026 |  | Resolved-Document Uploaded. Tax advisor verified business ownership with access letter. - Due Diligence Vendor-02/09/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - DTI 37.10 max 50%. Required is 50 Borrower has 37.1<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; min score 680. Required is 680 Borrower has 705 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857912 | xxxxxx D A | Closed | xxxxxx | 2026-01-25 10:38 | 2026-01-30 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/30/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/25/2026 |  | Resolved-Received Gap Report. - Due Diligence Vendor-01/30/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - DTI 37.10 max 50%. Required is 50 Borrower has 37.1<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; min score 680. Required is 680 Borrower has 705 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857912 | xxxxxx D A | Closed | xxxxxx | 2026-01-25 10:03 | 2026-01-29 11:40 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received 1004 d with commentary confirming trees are of no health and safety. - Due Diligence Vendor-01/29/2026 <br> Open-Property Issues are identified for the property Subject has xxxxxx. - Due Diligence Vendor-01/25/2026 |  | Resolved-Received 1004 d with commentary confirming trees are of no health and safety. - Due Diligence Vendor-01/29/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - DTI 37.10 max 50%. Required is 50 Borrower has 37.1<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; min score 680. Required is 680 Borrower has 705 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857915 | xxxxxx D A C | Closed | xxxxxx | 2026-01-27 16:32 | 2026-02-04 12:57 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Chain of Title. - Due Diligence Vendor-02/04/2026 <br>Counter-No document provided. Although Title in file confirm vested owner, Title does not confirm property held for 24months. Unable to confirm when property was obtained. Missing 24 chain of title. - Due Diligence Vendor-02/02/2026 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title - Due Diligence Vendor-01/27/2026 |  | Resolved-Received Chain of Title. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.63<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | 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 |
| 857915 | xxxxxx D A C | Closed | xxxxxx | 2026-01-27 18:22 | 2026-02-04 12:56 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received Revised Appraisal. - Due Diligence Vendor-02/04/2026 <br>Open-Appraisal is missing occupant. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received Revised Appraisal. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.63<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | 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 |
| 857915 | xxxxxx D A C | Closed | xxxxxx | 2026-01-28 10:11 | 2026-02-02 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received proof of PITIA for xxxxxx. - Due Diligence Vendor-02/02/2026 <br> Open-Missing verification of mortgage payment (PITIA) for property xxxxxx. Additional findings may apply. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received proof of PITIA for xxxxxx. - Due Diligence Vendor-02/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.63<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | 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 |
| 857924 | xxxxxx C A | Closed | xxxxxx | 2026-01-27 14:37 | 2026-02-04 07:24 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received COC for changes in fees. Finding Resolved. - Due Diligence Vendor-02/04/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($93.77) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,069.00). 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 $1069.00 to $93.77 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $975.23, 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-01/27/2026 |  | Resolved-----Received COC for changes in fees. Finding Resolved. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.13 |  | 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 |
| 857929 | xxxxxx C A | Closed | xxxxxx | 2026-02-11 14:49 | 2026-02-13 15:30 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Final Fraud Report - dated 128/26 - pg 390 shows All Alerts Cleared - Due Diligence Vendor-02/13/2026 <br>Open-Fraud Report Shows Uncleared Alerts Per guides, Sellers may clear "high" alerts or "red flags" directly through the vendor solution or with a signed attestation. The attestation must address each "high" alert, or "red flag" noted in the fraud report. Fraud Report Shows Uncleared Alerts and no signed attestation in file. - Due Diligence Vendor-02/13/2026 |  | Resolved-Final Fraud Report - dated 128/26 - pg 390 shows All Alerts Cleared - Due Diligence Vendor-02/13/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857932 | xxxxxx C B A | Closed | xxxxxx | 2026-02-03 12:30 | 2026-02-10 07:50 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-------Received acknowledgement, origination fee is a lender paid compensation. Finding Resolved. - Due Diligence Vendor-02/10/2026 <br>Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-02/03/2026 |  | Resolved-------Received acknowledgement, origination fee is a lender paid compensation. Finding Resolved. - Due Diligence Vendor-02/10/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 56.77 Required is 80 Borrower has 56.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 796 Required is 740 Borrower has 796<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.12 Required is 50 Borrower has 42.12 |  | 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 |
| 857932 | xxxxxx C B A | Closed | xxxxxx | 2026-02-03 11:38 | 2026-02-03 11:38 | 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. - Due Diligence Vendor-02/03/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-02/03/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 56.77 Required is 80 Borrower has 56.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 796 Required is 740 Borrower has 796<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.12 Required is 50 Borrower has 42.12 |  | 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 |
| 857974 | xxxxxx D B A | Closed | xxxxxx | 2026-01-28 17:19 | 2026-02-02 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Borrower Employment Authorization Card front and back. - Due Diligence Vendor-02/02/2026 <br> Open-Borrower Citizenship Documentation Is Missing Provide photo of back of Employment Authorization Card expiring xxxxxx. - Due Diligence Vendor-01/29/2026 |  | Resolved-Received Borrower Employment Authorization Card front and back. - Due Diligence Vendor-02/02/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 74.96 Required is 80 Borrower has 74.96<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.66 Required is 50 Borrower has 32.66 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857974 | xxxxxx D B A | Closed | xxxxxx | 2026-01-28 17:17 | 2026-01-30 11:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client waiver applied to non-material finding with compensating factors. Exception for fico 5% below min. - Due Diligence Vendor-01/30/2026 <br>Open-Audited FICO of 675 is less than Guideline FICO of 680 Minimum FICO for Non-Permanent Residents is 680 per credit matrix dated 1.19.26. - Due Diligence Vendor-01/29/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for fico 5% below min. - Due Diligence Vendor-01/30/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 74.96 Required is 80 Borrower has 74.96<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.66 Required is 50 Borrower has 32.66 | DTI <40%<br> Residual income more than 1.5x 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 | Investor Post-Close | No | xxxxxx |
| 857981 | xxxxxx D B A | Closed | xxxxxx | 2026-01-20 15:14 | 2026-02-03 11:24 | Resolved | 1 - Information D A | Credit | Eligibility | Second Appraisal is Missing | Resolved-Received PCR. - Due Diligence Vendor-02/03/2026 <br> Counter-Received additional AVM. Missing Property Condition Report (PCR) - Due Diligence Vendor-01/29/2026 <br> Open-Primary Valuation - Loan Amount <=$250,000 - AVM from approved vendor with an acceptable FSD score and a new Property Condition Report with acceptable findings. Only an AVM seen in file. Provide copy of Property Condition Report. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received PCR. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 44.93. Required is 50 Borrower has 44.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 764. Required is 680 Borrower has 764<br>CLTV is less than guidelines maximum - Required is 90. Borrower has 57.47. Required is 90 Borrower has 57.47 |  | 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 |
| 857981 | xxxxxx D B A | Closed | xxxxxx | 2026-01-20 15:17 | 2026-01-29 09:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Missing First Mtg Note | Waived-Client provided a waiver for 1st Lien Note as file contains statement and recorded Security Instrument, applied to non material finding with comp factors - Due Diligence Vendor-01/29/2026 <br>Open-2nd lien transaction - copy of the first mtg note required. Currently only the 1st mtg Deed of Trust is seen in file. - Due Diligence Vendor-01/20/2026 |  | Waived-Client provided a waiver for 1st Lien Note as file contains statement and recorded Security Instrument, applied to non material finding with comp factors - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 44.93. Required is 50 Borrower has 44.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 764. Required is 680 Borrower has 764<br>CLTV is less than guidelines maximum - Required is 90. Borrower has 57.47. Required is 90 Borrower has 57.47 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum 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 |
| 857981 | xxxxxx D B A | Closed | xxxxxx | 2026-01-20 13:52 | 2026-01-23 11:12 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received prior policy. - Due Diligence Vendor-01/23/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx. Previous policy not in file. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received prior policy. - Due Diligence Vendor-01/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 44.93. Required is 50 Borrower has 44.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 764. Required is 680 Borrower has 764<br>CLTV is less than guidelines maximum - Required is 90. Borrower has 57.47. Required is 90 Borrower has 57.47 |  | 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 |
| 857981 | xxxxxx D B A | Closed | xxxxxx | 2026-01-14 10:49 | 2026-01-14 11:57 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material findings. - Due Diligence Vendor-01/14/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material findings. - Due Diligence Vendor-01/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 44.93. Required is 50 Borrower has 44.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 764. Required is 680 Borrower has 764<br>CLTV is less than guidelines maximum - Required is 90. Borrower has 57.47. Required is 90 Borrower has 57.47 |  | 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 |
| 857984 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 15:51 | 2026-03-20 08:40 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value Supported - Due Diligence Vendor-01/30/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received Desk Review. Value Supported - Due Diligence Vendor-01/30/2026<br>| Verified employment history exceeds guidelines - Borrower has been licensed for greater than 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5571 exceeds $5250. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857984 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 16:36 | 2026-01-27 15:54 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Two months were provided. - Due Diligence Vendor-01/27/2026 <br> Open-Asset 2 Less Than 2 Months Verified 2 months required per DU - Due Diligence Vendor-01/20/2026 |  | Resolved-Two months were provided. - Due Diligence Vendor-01/27/2026<br>| Verified employment history exceeds guidelines - Borrower has been licensed for greater than 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5571 exceeds $5250. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857986 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857988 | xxxxxx D A | Closed | xxxxxx | 2026-01-30 11:58 | 2026-02-12 15:05 | 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-02/12/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. A CPA letter or operating agreement is missing from the loan file to confirm 100% ownership of the qualifying business. IRS letter from 2008 shows sole member however the State of xxxxxx printout shows two members of the LLC as of xxxxxx. SOS dated xxxxxx also does not suffice as it does not show all members of the LLC, only the agent name. - Due Diligence Vendor-01/30/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 56.16 |  | 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 |
| 857988 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 19:11 | 2026-02-12 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Operating Agreement and confirmation from borrower no changes. - Due Diligence Vendor-02/12/2026 <br> Counter-Received Operating agreement from 2008. Missing confirmation of no changes as State of xxxxxx printout shows two members of the LLC as of xxxxxx - Due Diligence Vendor-02/10/2026 <br> Counter-Documentation provided is not sufficient to support the ownership %. Guidelines require CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. Finding remains. - Due Diligence Vendor-02/04/2026 <br> Open-Borrower 1 CPA Letter Missing A CPA letter or operating agreement is missing from the loan file to confirm 100% ownership of the qualifying business. IRS letter from 2008 shows sole member however the State of xxxxxx printout shows two members of the LLC as of xxxxxx. SOS dated xxxxxx also does not suffice as it does not show all members of the LLC, only the agent name. - Due Diligence Vendor-01/30/2026 |  | Resolved-Received Operating Agreement and confirmation from borrower no changes. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 56.16 |  | 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 |
| 858054 | xxxxxx C A | Closed | xxxxxx | 2026-02-11 11:30 | 2026-02-19 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received loe for income alert - Due Diligence Vendor-02/19/2026 <br> Counter-Received duplicate Fraud report showing high alerts cleared without explanation or documentation used to clear alerts. Initial finding There were prior loan submissions with significantly lower income - not addressed or cleared by lender- Finding remains. - Due Diligence Vendor-02/17/2026 <br> Open-Fraud Report Shows Uncleared Alerts There were prior loan submissions with significantly lower income - not addressed or cleared by lender - Due Diligence Vendor-02/11/2026 |  | Resolved-Received loe for income alert - Due Diligence Vendor-02/19/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.17<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858058 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858069 | xxxxxx C B A | Closed | xxxxxx | 2026-01-29 14:10 | 2026-02-13 12:14 | 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-02/12/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Current 1st mtg originated xxxxxx. As less than 12 mos of on time payments are rated on Brws credit- Provide verification of on time mtg payments from the previous 1st lien (prior to this most recent refi). Required to ensure if any mtg lates in last year. Previous 1st is not rated on Borrowers credit.<br>- Due Diligence Vendor-01/29/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.29 |  | 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 |
| 858069 | xxxxxx C B A | Closed | xxxxxx | 2026-01-28 20:41 | 2026-02-12 15:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received cancelled checks. - Due Diligence Vendor-02/12/2026 <br> Counter-Private Party VOM provided. Please provide borrower's proof of payment for the most recent 6-months (e.g., Cancelled checks, bank statements, ACH payments, bank transfer/wire, electronic payment method - Due Diligence Vendor-02/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Current 1st mtg originated xxxxxx. As less than 12 mos of on time payments are rated on Brws credit- Provide verification of on time mtg payments from the previous 1st lien (prior to this most recent refi). Required to ensure if any mtg lates in last year. Previous 1st is not rated on Borrowers credit.<br>- Due Diligence Vendor-01/29/2026 |  | Resolved-Received cancelled checks. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.29 |  | 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 |
| 858069 | xxxxxx C B A | Closed | xxxxxx | 2026-01-29 14:09 | 2026-02-04 11:42 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received Final CD verifying Rate/Term. - Due Diligence Vendor-02/04/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Provide Final CD or Settlement Stmt from most recent refinance of the 1st mtg xxxxxx to document whether transaction was Rate/Term or a Cash Out. Loan is not eligible if there has been a prior cash-out transaction within the past six months. - Due Diligence Vendor-01/29/2026 |  | Resolved-Received Final CD verifying Rate/Term. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.29 |  | 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 |
| 858069 | xxxxxx C B A | Closed | xxxxxx | 2026-01-27 13:42 | 2026-01-27 13:42 | 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-01/27/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.29 |  | 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 |
| 858071 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 10:39 | 2026-02-19 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received fraud report reflecting xxxxxx. - Due Diligence Vendor-02/19/2026 <br> Open-Third Party Fraud Report Partially Provided Seller not checked against OFAC/Exclusionary Lists. - Due Diligence Vendor-02/12/2026 |  | Resolved-Received fraud report reflecting xxxxxx. - Due Diligence Vendor-02/19/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858074 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 11:19 | 2026-02-23 11:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review Rent free letter is not required. FTBH for xxxxxx is considered an individual with no ownership interest in past 3 years. Borrower owns investment properties - Due Diligence Vendor-02/23/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing Living rent free letter, per final 1003 states owns primary however its owned by non borrower who is on mortgage an title only. mtg stmts and credit report was pulled for non borrower. final 1003 and Initial 1003 conflicting. - Due Diligence Vendor-02/04/2026 |  | Resolved-Upon further review Rent free letter is not required. FTBH for xxxxxx is considered an individual with no ownership interest in past 3 years. Borrower owns investment properties - Due Diligence Vendor-02/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 816; min score 720. Required is 720 Borrower has 816<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.36 Required is 50 Borrower has 11.36 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858074 | xxxxxx C B A | Closed | xxxxxx | 2026-02-02 09:23 | 2026-02-18 07:41 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/18/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($4,578.50) exceed the comparable charges ($3,576.00) 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 (Settlement Closing Fee, Title Endorsement and Recording Fee) increased by $644.90 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 $644.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/02/2026 |  | Resolved-----Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 816; min score 720. Required is 720 Borrower has 816<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.36 Required is 50 Borrower has 11.36 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858074 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 10:57 | 2026-02-04 13:28 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow allow S/E business with less than 2 years vs Business used to qualify must be in existence a minimum of 2 years. Non-material waiver applied with comp factors. - Due Diligence Vendor-02/04/2026 <br>Open-Income and Employment Do Not Meet Guidelines Lender exception email in file to allow S/E business with less than 2 years vs Business used to qualify must be in existence a minimum of<br> 2 years - Due Diligence Vendor-02/04/2026 |  | Waived-Client exception granted to allow allow S/E business with less than 2 years vs Business used to qualify must be in existence a minimum of 2 years. Non-material waiver applied with comp factors. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 816; min score 720. Required is 720 Borrower has 816<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.36 Required is 50 Borrower has 11.36 | Credit Score 10 points > minimum required-816 (700); <br> Reserves exceeded requirement by 2 months or more -30mo (6mo); <br> 0x30 for 24 months on all mortgages;<br> DTI <= 40%- 15.876% (50%) <br> Residual income more than 1.5x the amount required by guidelines- $60,000 ($2500); | 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 |
| 858078 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 14:29 | 2026-03-20 16:27 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-CDA provided supporting value. - Due Diligence Vendor-03/20/2026 <br>Open-Missing secondary valuation - Due Diligence Vendor-01/23/2026 |  | Resolved-CDA provided supporting value. - Due Diligence Vendor-03/20/2026<br>| Months Reserves exceed minimum required - Reserves = 8 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858078 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 13:45 | 2026-02-05 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-EMD check provided - Due Diligence Vendor-02/05/2026 <br>Counter-Received Final CD. Missing source of EMD to document deposit. Excluding EMD results in insufficient funds to complete transaction. - Due Diligence Vendor-01/29/2026 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing Final Closing Detail/Settlement Statement. Additional conditions may apply, pending review. - Due Diligence Vendor-01/16/2026 |  | Resolved-EMD check provided - Due Diligence Vendor-02/05/2026<br>| Months Reserves exceed minimum required - Reserves = 8 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858078 | xxxxxx D A | Closed | xxxxxx | 2026-01-25 12:13 | 2026-02-05 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Final settlement statement provided. - Due Diligence Vendor-02/05/2026 <br>Open-The Final SELLER CD/HUD is missing. The Final Seller CD/HUD is missing. Additional conditions may apply, pending review. - Due Diligence Vendor-01/25/2026 |  | Resolved-Final settlement statement provided. - Due Diligence Vendor-02/05/2026<br>| Months Reserves exceed minimum required - Reserves = 8 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858078 | xxxxxx D A | Closed | xxxxxx | 2026-01-25 12:23 | 2026-02-03 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received full policy package reflecting policy number. - Due Diligence Vendor-02/03/2026 <br> Counter-Received duplicate HOI missing Policy Number. - Due Diligence Vendor-01/28/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Insurance Policy to be updated with policy #. - Due Diligence Vendor-01/25/2026 |  | Resolved-Received full policy package reflecting policy number. - Due Diligence Vendor-02/03/2026<br>| Months Reserves exceed minimum required - Reserves = 8 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858078 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 14:08 | 2026-01-28 11:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/28/2026 <br>Open-Missing Third Party Fraud Report Missing Fraud Report. Additional conditions may apply, pending review. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/28/2026<br>| Months Reserves exceed minimum required - Reserves = 8 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858096 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858098 | xxxxxx C A | Closed | xxxxxx | 2026-01-27 18:26 | 2026-03-20 14:32 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-The litigation appears minor in nature as it was not due to issues affecting the overall xxxxxx use of the project. - Due Diligence Vendor-03/23/2026 <br> Counter-Received Note from Client: Please see the attached disclosure statement from HOA- Audit response- No document attached. Previous document provided was a statement from xxxxxx. The response must be from the Attorney confirming the expected cost of the outstanding lawsuit. Review of guideline state the following: - Documentation must be provided by the insurance carrier or the attorney representing the insurance carrier that the insurance carrier has agreed to provide the defense and the association's insurance policy is sufficient to cover the litigation. Additional findings may apply. - Due Diligence Vendor-02/26/2026 <br> Counter-Received Disclosure statement from xxxxxx and not that attorney as noted in the finding. Please have attorneys confirm. - Due Diligence Vendor-02/25/2026 <br> Counter-Please provide an email or letter from the attorneys handling this case describing the below. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-From Lender: It seems that the HOA is not responsible for paying the litigation costs and is the recipient of court-awarded reimbursement from the liable parties insurance carrier. Any remaining amounts referenced are subject to insurance recovery. The only ongoing matter is the defense of an appeal, with costs not expected to exceed $30,000, which have already been included in the HOAs operating budget. Could you please clear the condition or advise on the further required information? - Due Diligence Vendor-02/09/2026 <br> Counter-Letter received indicate there is an outstanding formal demand to xxxxxx and the HOA is unable to carry the difference owed. The noted litigation is still outstanding and must be resolved. - Due Diligence Vendor-02/02/2026 <br> Open-The condo project has pending litigation. Letter from attorney's office titled Litigation Update (page 189) verifies an active litigation regarding owners within the xxxxxx and the courts ruled against the owners and found they had no standing. The court awarded fees of $401,918 out of $428,530 spent as of xxxxxx (per Civ. Code, § 5975), of which $382,606 was allocated to the HOA and $19,312 to xxxxxx.<br> Lender guidelines Section 8.5 state: Projects involved in litigation are acceptable provided the lawsuit(s) are not structural in nature which impact the subject unit and do not affect the marketability of the project units<br> 23 \| Page and potential damages do not exceed 25% of HOA reserves or documentation from the insurance carrier or attorney representing the insurance carrier that the insurance carrier has agreed to conduct defense and the HOA insurance policy is sufficient to cover the litigation expense. The litigation appears minor in nature as it was not due to issues affecting the overall safety, structural soundness, habitability or functional use of the project. Lender to provide documentation or letter from the insurance representative confirming the lawsuit will be covered by the project's insurance policy. Additional conditions may apply. - Due Diligence Vendor-01/28/2026 |  | Resolved-The litigation appears minor in nature as it was not due to issues affecting the xxxxxx use of the project. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.43 Required is 50 Borrower has 33.43<br>LTV is less than guideline maximum - Required is 70 Borrower has 34.59 Required is 70 Borrower has 34.59<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 806 Required is 660 Borrower has 806 |  | 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 |
| 858109 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 16:12 | 2026-02-03 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. xxxxxx attached - Seller-01/30/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-01/30/2026 | Resolved-Received credit refresh. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 713<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.48 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858132 | xxxxxx C B A | Closed | xxxxxx | 2026-01-28 13:30 | 2026-01-28 13:30 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty is not allowed | Waived-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/28/2026 |  | Waived-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/28/2026 | Long term residence - Borrower has owned the primary residence for 10 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 810. Required is 700 Borrower has 810 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 858180 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 11:17 | 2026-01-26 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received NMLS verification. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report reflects uncleared alerts for the NMLS for the lender, xxxxxx, Lender xxxxxx and lender xxxxxx with no documentation to support the alerts have been cleared. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Resolved-Received NMLS verification. - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 791 and minimum allowed is 700 Required is 700 Borrower has 791<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858180 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 11:02 | 2026-01-26 15:46 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received attestation. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Received attestation - Due Diligence Vendor-01/26/2026 <br>Open-An Appraisal Management Company was not used, missing lender attestation/certification that the appraisal independence regulations were meet. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received attestation. - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 791 and minimum allowed is 700 Required is 700 Borrower has 791<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858180 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 07:59 | 2026-01-26 15:45 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. - Seller-01/23/2026 <br>Open-Missing Approval/Underwriting Summary. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 791 and minimum allowed is 700 Required is 700 Borrower has 791<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858180 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 07:18 | 2026-01-26 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. - Seller-01/23/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 791 and minimum allowed is 700 Required is 700 Borrower has 791<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858205 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858243 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 18:40 | 2026-02-03 10:43 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-02/03/2026 <br>Open-Foreign National but the ACH form is Missing from file. Provide ACH form as it is missing from file. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received ACH. - Due Diligence Vendor-02/03/2026<br>| Long term residence - Borrower has occupied primary for more than 2 years per 1003.<br>Months Reserves exceed minimum required - Min 0, actual 7.42 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858355 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858363 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858407 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 17:39 | 2026-02-24 10:54 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Client provided PCCD that reflects disbursement date xxxxxx, policy effective date of xxxxxx is acceptable - Due Diligence Vendor-02/24/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date is xxxxxx. - Due Diligence Vendor-02/18/2026 |  | Resolved-Client provided PCCD that reflects disbursement date xxxxxx, policy effective date of xxxxxx is acceptable - Due Diligence Vendor-02/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 753 Required is 720 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.52 Required is 50 Borrower has 36.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858407 | xxxxxx C A | Closed | xxxxxx | 2026-02-17 12:26 | 2026-02-24 07:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-----Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/24/2026 <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. ----- Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-02/17/2026 |  | Resolved-----Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 753 Required is 720 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.52 Required is 50 Borrower has 36.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858409 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 13:49 | 2026-02-05 12:47 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received Updated HOI effective by date of disbursement. - Due Diligence Vendor-02/05/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx effective date is after the disbursement date of xxxxxx - Due Diligence Vendor-01/29/2026 |  | Resolved-Received Updated HOI effective by date of disbursement. - Due Diligence Vendor-02/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.3<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858409 | xxxxxx C A | Closed | xxxxxx | 2026-01-29 11:30 | 2026-02-04 13:03 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received Bank Statement supporting balance. - Due Diligence Vendor-02/04/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements The bank VOD letter does not cover a 30 day period. The letter contains only the current balance as of 1/6/26. 30 days is required - Due Diligence Vendor-01/29/2026 |  | Resolved-Received Bank Statement supporting balance. - Due Diligence Vendor-02/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.3<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858506 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 08:30 | 2026-02-13 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-All alerts were addressed, borrower is an immigrant, and names/cities/states do not match the other alerts. - Due Diligence Vendor-02/13/2026 <br>Counter-Received Fraud Report. Missing documentation used to clear high alerts. - Due Diligence Vendor-02/11/2026 <br>Open-Missing Third Party Fraud Report Third Party Fraud Report not Provided. The Fraud Report is required. - Due Diligence Vendor-01/28/2026 |  | Resolved-All alerts were addressed, borrower is an immigrant, and names/cities/states do not match the other alerts. - Due Diligence Vendor-02/13/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is 29.01% and max allowed is 55%<br>Qualifying FICO score is at least 20 points above minimum for program - 785 FICO; 620 required<br>Months Reserves exceed minimum required - 29.24 mos reserves; 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 858506 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 08:59 | 2026-02-11 14:06 | Resolved | 1 - Information C A | Credit | Eligibility | Loan missing Desk Review as required per Guidelines | Resolved-Received 1004 - Due Diligence Vendor-02/11/2026 <br>Open-Loan missing Desk Review as required per Guidelines. An enhanced desk review product is required per guides section 1.3.8. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received 1004 - Due Diligence Vendor-02/11/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is 29.01% and max allowed is 55%<br>Qualifying FICO score is at least 20 points above minimum for program - 785 FICO; 620 required<br>Months Reserves exceed minimum required - 29.24 mos reserves; 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 858506 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 08:03 | 2026-02-11 13:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-03/23/2026 <br>Open-Insufficient Coverage Amount for Insured Subject Property. The coverage is not sufficient, provide commentary of 100% replacement cost. - Due Diligence Vendor-01/28/2026 |  | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-03/23/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is 29.01% and max allowed is 55%<br>Qualifying FICO score is at least 20 points above minimum for program - 785 FICO; 620 required<br>Months Reserves exceed minimum required - 29.24 mos reserves; 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 858506 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 18:16 | 2026-02-11 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/11/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/28/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/11/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is 29.01% and max allowed is 55%<br>Qualifying FICO score is at least 20 points above minimum for program - 785 FICO; 620 required<br>Months Reserves exceed minimum required - 29.24 mos reserves; 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 858506 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 08:26 | 2026-02-11 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Undisclosed Debt Verification. No new debt noted. - Due Diligence Vendor-02/11/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/28/2026 |  | Resolved-Received Undisclosed Debt Verification. No new debt noted. - Due Diligence Vendor-02/11/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is 29.01% and max allowed is 55%<br>Qualifying FICO score is at least 20 points above minimum for program - 785 FICO; 620 required<br>Months Reserves exceed minimum required - 29.24 mos reserves; 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 858506 | xxxxxx D A | Closed | xxxxxx | 2026-01-22 14:31 | 2026-02-11 07:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-02/11/2026 <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-01/22/2026 |  | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-02/11/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is 29.01% and max allowed is 55%<br>Qualifying FICO score is at least 20 points above minimum for program - 785 FICO; 620 required<br>Months Reserves exceed minimum required - 29.24 mos reserves; 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 858513 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858514 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 13:33 | 2026-02-11 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Per P&L statement and 1003 borrower works from home and is remote. - Due Diligence Vendor-02/11/2026 <br> Open-Borrower 1 CPA Letter Missing Missing letter from CPA addressing the borrower's move from xxxxxx and how the business will be affected. Additional findings may apply - Due Diligence Vendor-02/10/2026 |  | Resolved-Per P&L statement and 1003 borrower works from home and is remote. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - Comp factor Required is 50 Borrower has 42.81 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858518 | xxxxxx C A B | Closed | xxxxxx | 2026-02-19 15:29 | 2026-02-25 13:45 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/25/2026 <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-02/19/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.26 Required is 50 Borrower has 39.26<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 760 Required is 660 Borrower has 760 |  | 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 |
| 858518 | xxxxxx C A B | Closed | xxxxxx | 2026-02-20 13:45 | 2026-02-25 13:31 | 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-02/25/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-02/24/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.26 Required is 50 Borrower has 39.26<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 760 Required is 660 Borrower has 760 |  | 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 |
| 858530 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858548 | xxxxxx D A | Closed | xxxxxx | 2026-01-30 08:28 | 2026-02-04 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received verification of the xxxxxx - Due Diligence Vendor-02/04/2026 <br> Open-Borrower 1 CPA Letter Missing Missing verification of the xxxxxx - Due Diligence Vendor-01/30/2026 |  | Resolved-Received verification of the xxxxxx - Due Diligence Vendor-02/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711 Required is 660 Borrower has 711<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.26 Required is 50 Borrower has 29.67 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858564 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 13:20 | 2026-02-26 11:46 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/26/2026 <br>Counter-Client sent in how they calculated but requested condition to be waived. No exception request or approval provided - Due Diligence Vendor-02/24/2026 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Provide updated insurance or proof replacement value is sufficient. Policy shows dwelling replacement cost is not included. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received RCE - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.41<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | 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 |
| 858564 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 14:02 | 2026-02-26 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated Fraud Report. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/26/2026 <br>Counter-Missing The Appraisal company on the LDP/OFAC - Due Diligence Vendor-02/24/2026 <br>Open-Fraud Report Shows Uncleared Alerts All high alerts to be cleared. Additional conditions may apply. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received updated Fraud Report. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.41<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | 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 |
| 858566 | xxxxxx D B A | Closed | xxxxxx | 2026-02-19 09:19 | 2026-02-27 12:21 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received 2+ years license. - Due Diligence Vendor-02/27/2026 <br>Counter-Lender provided 2025 license. Missing 2024 or borrower's letter per original finding - Due Diligence Vendor-02/24/2026 <br>Open-Income and Employment Do Not Meet Guidelines 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. This documentation is missing. - Due Diligence Vendor-02/19/2026 |  | Resolved-Received 2+ years license. - Due Diligence Vendor-02/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $18K residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858566 | xxxxxx D B A | Closed | xxxxxx | 2026-02-19 09:45 | 2026-02-25 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report with no new inquiries since original credit report. - Due Diligence Vendor-02/25/2026 <br>Counter-Credit refresh is required w/in 10 days of Note, finding remains - Due Diligence Vendor-02/24/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/19/2026 |  | Resolved-Received Gap report with no new inquiries since original credit report. - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $18K residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858566 | xxxxxx D B A | Closed | xxxxxx | 2026-02-13 17:25 | 2026-02-24 07:24 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/24/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $760.00.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 $760.00 (Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $760.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx.<br>- Due Diligence Vendor-02/13/2026 |  | Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $18K residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858566 | xxxxxx D B A | Closed | xxxxxx | 2026-02-13 15:25 | 2026-02-24 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received verification that 1003 was generated on xxxxxx. Finding Resolved. - Due Diligence Vendor-02/24/2026 <br> Open-The Initial 1003 is Missing -----Initial 1003 dated xxxxxx in file is after Initial LE issue date of xxxxxx. xxxxxx cannot be issued prior to the Initial Application. Please clarify the application date. Initial LE date used in order to run compliance. - Due Diligence Vendor-02/13/2026 |  | Resolved-Received verification that 1003 was generated on 01/08/2026. Finding Resolved. - Due Diligence Vendor-02/24/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $18K residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858566 | xxxxxx D B A | Closed | xxxxxx | 2026-02-13 15:31 | 2026-02-13 17:54 | 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-02/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-02/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $18K residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858567 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858570 | xxxxxx C B A | Closed | xxxxxx | 2026-02-11 09:55 | 2026-02-18 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM.gov for Borrower and Account Manager. - Due Diligence Vendor-02/18/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing SAM.gov check on borrower (xxxxxx), loan opener (xxxxxx xxxxxx) and xxxxxx (xxxxxx). - Due Diligence Vendor-02/11/2026 |  | Resolved-Received SAM.gov for Borrower and Account Manager. - Due Diligence Vendor-02/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Fico over required GL Required is 680 Borrower has 764<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.43<br>LTV is less than guideline maximum - Low LTV Required is 70 Borrower has 50.56 |  | 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 |
| 858570 | xxxxxx C B A | Closed | xxxxxx | 2026-02-11 09:55 | 2026-02-18 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-After further review, the high alerts have bene cleared by the lender per guides. - Due Diligence Vendor-02/17/2026 <br>Open-Fraud Report Shows Uncleared Alerts Missing SSN Verification for xxxxxx - Due Diligence Vendor-02/11/2026 |  | Resolved-After further review, the high alerts have bene cleared by the lender per guides. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico over required GL Required is 680 Borrower has 764<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.43<br>LTV is less than guideline maximum - Low LTV Required is 70 Borrower has 50.56 |  | 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 |
| 858570 | xxxxxx C B A | Closed | xxxxxx | 2026-02-06 16:36 | 2026-02-06 21:56 | 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-02/06/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico over required GL Required is 680 Borrower has 764<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.43<br>LTV is less than guideline maximum - Low LTV Required is 70 Borrower has 50.56 |  | 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 |
| 858573 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858577 | xxxxxx D B A | Closed | xxxxxx | 2026-02-18 15:29 | 2026-02-23 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert. - Due Diligence Vendor-02/23/2026 <br>Open-Missing Flood Certificate - Due Diligence Vendor-02/18/2026 |  | Resolved-Received Flood Cert. - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.63 Required is 50 Borrower has 19.63<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 765 Required is 680 Borrower has 765 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858577 | xxxxxx D B A | Closed | xxxxxx | 2026-02-13 13:07 | 2026-02-13 13:07 | 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.<br> - Due Diligence Vendor-02/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.63 Required is 50 Borrower has 19.63<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 765 Required is 680 Borrower has 765 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858578 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858582 | xxxxxx D A | Closed | xxxxxx | 2026-02-25 10:37 | 2026-03-03 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received verification of PITI on payment and LOX for HOA. - Due Diligence Vendor-03/03/2026 <br>Open-Missing for primary residence to confirm payment used includes escrows - Due Diligence Vendor-02/25/2026 |  | Resolved-Received verification of PITI on payment and LOX for HOA. - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.11 Required is 50 Borrower has 43.11 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858584 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-28 08:48 | 2026-02-03 10:46 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($21.00). 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 $21.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $21.00, 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.<br> - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/03/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 |  | 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 |
| 858584 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-29 15:10 | 2026-01-30 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-Missing Third Party Fraud Report Fraud report on file not in borrower's name - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 |  | 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 |
| 858588 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858590 | xxxxxx D B A | Closed | xxxxxx | 2026-01-30 13:14 | 2026-02-03 16:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/02/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Rep - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/02/2026 | Resolved-Received credit refresh. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.8 |  | 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 |
| 858590 | xxxxxx D B A | Closed | xxxxxx | 2026-01-22 16:07 | 2026-01-23 07:29 | 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-01/22/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.8 |  | 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 |
| 858592 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 17:44 | 2026-02-27 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Underwriter cert provided. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026 <br> Counter-Received complete fraud report reflecting all interested parties. Please provide management acknowledgment of score as >800 - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Counter-Finding remains.. Still missing Title Agent, Title Company, CPA and CPA Co from EPLS - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing fraud report with all material parties run through applicable exclusionary lists and OFAC. Additional findings may apply.<br> - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 | Resolved-Underwriter cert provided. - Due Diligence Vendor-02/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.73 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858592 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 17:42 | 2026-02-23 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit received dated 1/6/26. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Counter-Finding remains. Missing GAP Credit Report within 10 days of Note date - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing required gap credit. Additional findings may apply. <br> - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 | Resolved-Gap credit received dated 1/6/26. - Due Diligence Vendor-02/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.73 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858592 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 17:42 | 2026-02-23 10:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. please see 1003 and lease agreement - Seller-02/19/2026 <br> Counter-Finding remains. Client provided Rent free letter however it states Borrower is not an eligible tenant as he/she is not on lease. Provide confirmation from LL that borrower has been at said residence for a least 2 years - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/11/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing confirmation from the landlord that the borrower has been residing at the current residence for the last 10 years as reflected on the 1003. Lease provided shows borrower is NOT an eligible tenant and that parties not listed are not eligible to reside in the property. Additional findings may apply. <br> - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. please see 1003 and lease agreement - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/11/2026 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.73 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858592 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 17:35 | 2026-02-20 16:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received internet validation of business phone number. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026 <br>Counter-Finding remains. VVOE provided, Missing Business Phone Number verified with Google, 411.com or internet as required per 10.13 - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing evidence borrower's business phone number was verifiable via Google Search, 411.com or internet as required per 10.13 - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 | Resolved-Received internet validation of business phone number. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.73 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858592 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 17:08 | 2026-02-18 09:00 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Upon further review, Appraiser noted that xxxxxx xxxxxx are owned F&C on page 115 of upload - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Please remove condition as based on the comment of the appraiser on the report.<br> It's owned xxxxxx.<br> [Appraisal report page.8] <br> Energy Efficient Items: Comps 1, 2, and 5 have fully paid-off xxxxxx xxxxxx systems as the subject while Comps 3, 4, and 6 have energy efficient<br> items. - Seller-02/16/2026 <br> Counter-Finding remains. Client provided Rent Free letter. Missing documentation that xxxxxx System is owned F&C or are the xxxxxx xxxxxx provided by xxxxxx and owned by xxxxxx - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Counter-Received notes regarding appraisal comparables. Provide confirmation xxxxxx systems is owned free and clear. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-<br> [Appraisal report page.8] <br> Energy Efficient Items: Comps 1, 2, and 5 have fully paid-off xxxxxx xxxxxx systems as the subject while Comps 3, 4, and 6 have energy efficient<br> items.<br> - Seller-02/05/2026 <br> Open-Missing xxxxxx documentation. Per appraisal subject has xxxxxx and has given value. Per contract L(8) borrower is to review leased or liened items. Absence of a UCC filing on title does not explicitly mean xxxxxx is not leased or liened. Per 14.1.9 must follow xxxxxx guides. Additional findings may apply. <br> - Due Diligence Vendor-02/03/2026 | Ready for Review-Please remove condition as based on the comment of the appraiser on the report.<br> It's owned xxxxxx.<br> [Appraisal report page.8] <br> Energy Efficient Items: Comps 1, 2, and 5 have fully paid-off xxxxxx xxxxxx systems as the subject while Comps 3, 4, and 6 have energy efficient<br> items. - Seller-02/16/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Ready for Review-<br> [Appraisal report page.8] <br> Energy Efficient Items: Comps 1, 2, and 5 have fully paid-off xxxxxx xxxxxx systems as the subject while Comps 3, 4, and 6 have energy efficient<br> items.<br> - Seller-02/05/2026 | Resolved-Upon further review, Appraiser noted that xxxxxx xxxxxx are owned F&C on page 115 of upload - Due Diligence Vendor-02/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.73 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858594 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858599 | xxxxxx C A | Closed | xxxxxx | 2026-02-09 21:02 | 2026-02-20 11:40 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final sellers settlement statement. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/19/2026 <br>Counter-Received seller cd. Please provide certified final or signed seller cd. - Due Diligence Vendor-02/12/2026 <br>Open-The Final SELLER CD/HUD is missing. The Final Seller's CD/HUD is missing. - Due Diligence Vendor-02/10/2026 |  | Resolved-Received final sellers settlement statement. - Due Diligence Vendor-02/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.48<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 786 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858599 | xxxxxx C A | Closed | xxxxxx | 2026-02-09 18:55 | 2026-02-15 16:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-02/15/2026 <br> Open-Property Title Issue The title insurance amount for the subject loan was not disclosed on the Title Commitment in file or escrow instuctions. Please provide evidence of the title insurance coverage amount (Lender's coverage) equal to or greater than loan amount of xxxxxx. - Due Diligence Vendor-02/09/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-02/15/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.48<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 786 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858603 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 09:08 | 2026-02-04 12:20 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-The guides require a 30-day statement or a VOD, VOD provided. - Due Diligence Vendor-02/04/2026 <br>Counter-Received Summary. Summary received does not cover 30 days. - Due Diligence Vendor-02/02/2026 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Document provided does not include at least a 30 day history of the account - Due Diligence Vendor-01/28/2026 |  | Resolved-The guides require a 30-day statement or a VOD, VOD provided. - Due Diligence Vendor-02/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 721 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858603 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 09:12 | 2026-02-04 12:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The guides require a 30-day statement or a VOD, VOD provided. - Due Diligence Vendor-02/04/2026 <br>Counter-Pending receipt of complete 30 days Statement. Received Summary not covering 30 days as required per guideline. - Due Diligence Vendor-02/02/2026 <br>Open-Audited Reserves of 3.48 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-01/28/2026 |  | Resolved-The guides require a 30-day statement or a VOD, VOD provided. - Due Diligence Vendor-02/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 721 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858603 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 09:05 | 2026-02-02 11:30 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received gift letter for $4k and $6k. - Due Diligence Vendor-02/02/2026 <br>Open-Missing gift letter from spouse for $4,000 (earnest money of $10,000 was all gift funds from spouse-only have gift letter for $6,000) - Due Diligence Vendor-01/28/2026 |  | Resolved-Received gift letter for $4k and $6k. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 721 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858604 | xxxxxx C A | Closed | xxxxxx | 2026-02-09 14:32 | 2026-02-12 14:55 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review, the loan file contained all required HOI effect date documentation - Due Diligence Vendor-02/12/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Funding date xxxxxx per CD - Due Diligence Vendor-02/09/2026 |  | Resolved-Upon further review, the loan file contained all required HOI effect date documentation - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.76 Required is 50 Borrower has 31.76 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858604 | xxxxxx C A | Closed | xxxxxx | 2026-02-09 14:51 | 2026-02-12 14:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter - Due Diligence Vendor-02/12/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Lender to provide rent free letter - Due Diligence Vendor-02/09/2026 |  | Resolved-Received rent free letter - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.76 Required is 50 Borrower has 31.76 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858609 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 09:39 | 2026-02-12 14:49 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received gift receipt from title. - Due Diligence Vendor-02/12/2026 <br> Counter-Received Wire detail. Previously provided gift letter is from xxxxxx to borrower IAO $195,000. Wire receipt in file is showing transaction was sent by borrower and not by gift donor. Missing evidence of transfer of gift funds from the donor to the borrower for $195,000. - Due Diligence Vendor-02/10/2026 <br> Counter-Received gift letter. Missing evidence of transfer. - Due Diligence Vendor-02/04/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Wire detail for gift shows it originated from the borrower and not the gift donor. Missing evidence of transfer of gift funds from the donor to the borrower for $195,000 - Due Diligence Vendor-01/28/2026 |  | Resolved-Received gift receipt from title. - Due Diligence Vendor-02/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.41<br>LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858609 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 09:39 | 2026-02-04 12:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received VOD opened xxxxxx. - Due Diligence Vendor-02/04/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Document provided does not show a 30 day transaction history - Due Diligence Vendor-01/28/2026 |  | Resolved-Received VOD opened xxxxxx. - Due Diligence Vendor-02/04/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.41<br>LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858615 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 09:38 | 2026-02-11 15:05 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists and SSA-89 Report. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/09/2026 <br>Counter-Received Fraud report. Missing SSA89 for Borrower 1 SSN high alert. Review of initial file did not reveal document. - Due Diligence Vendor-02/07/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/05/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing spouse not reflected on list - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/05/2026 | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists and SSA-89 Report. - Due Diligence Vendor-02/11/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.81<br>LTV is less than guideline maximum - Required is 85 Borrower has 79.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |  | 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 |
| 858615 | xxxxxx C B A | Closed | xxxxxx | 2026-01-30 13:11 | 2026-02-06 07:51 | 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-02/06/2026 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-02/04/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. PCCD attached - Seller-02/04/2026 | Resolved------Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-02/06/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.81<br>LTV is less than guideline maximum - Required is 85 Borrower has 79.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |  | 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 |
| 858615 | xxxxxx C B A | Closed | xxxxxx | 2026-01-30 14:35 | 2026-01-30 14:35 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/30/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.81<br>LTV is less than guideline maximum - Required is 85 Borrower has 79.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |  | 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 |
| 858617 | xxxxxx B A | Closed | xxxxxx | 2026-01-23 12:35 | 2026-01-23 13:28 | 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-01/23/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026 | Additional assets not used to qualify - $6,144.37 was required to be verified. In addition to the proceeds from the cashout, the borrower documented $177,365.53 in liquid assets.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $26,699.63 in residual income per month. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 858620 | xxxxxx C A | Closed | xxxxxx | 2026-02-11 13:14 | 2026-02-19 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received updated appraisal reflecting PUD. - Due Diligence Vendor-02/19/2026 <br>Open-Missing corrected appraisal reflecting property as a PUD. - Due Diligence Vendor-02/11/2026 |  | Resolved-Received updated appraisal reflecting PUD. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.92<br>LTV is less than guideline maximum - Required is 65 Borrower has 43.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 692 |  | 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 |
| 858632 | 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 |  |  |  |
| 858649 | xxxxxx D A | Closed | xxxxxx | 2026-02-25 18:11 | 2026-03-03 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Title Commitment. - Due Diligence Vendor-03/02/2026 <br>Open-Title Document is missing The loan file is missing a title commitment/Final title. - Due Diligence Vendor-02/26/2026 |  | Resolved-Received Title Commitment. - Due Diligence Vendor-03/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.21 Required is 50 Borrower has 9.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 Required is 700 Borrower has 733 |  | 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 |
| 858649 | xxxxxx D A | Closed | xxxxxx | 2026-02-25 18:11 | 2026-03-02 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-03/02/2026 <br>Open-Missing Evidence of Property Tax The loan is a 2nd lien. The file is missing proof of the tax obligation. For now the amount listed on the 1008 is being used. - Due Diligence Vendor-02/25/2026 |  | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-03/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.21 Required is 50 Borrower has 9.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 Required is 700 Borrower has 733 |  | 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 |
| 858649 | xxxxxx D A | Closed | xxxxxx | 2026-02-24 10:56 | 2026-03-02 07:58 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved------Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/02/2026 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-02/24/2026 |  | Resolved------Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.21 Required is 50 Borrower has 9.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 Required is 700 Borrower has 733 |  | 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 |
| 858649 | xxxxxx D A | Closed | xxxxxx | 2026-02-24 10:53 | 2026-03-02 07:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This is a second lien and a full appraisal was provided. - Due Diligence Vendor-02/26/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. ----- Statute of limitations – One year; Expiration date: xxxxxx. - Due Diligence Vendor-02/24/2026 |  | Resolved-This is a second lien and a full appraisal was provided. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.21 Required is 50 Borrower has 9.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 Required is 700 Borrower has 733 |  | 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 |
| 858649 | xxxxxx D A | Closed | xxxxxx | 2026-02-24 10:27 | 2026-02-26 14:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/26/2026 <br>Open-Right To Choose Attorney or Attorney Preference Not In File Missing right to choose attorney - Due Diligence Vendor-02/24/2026 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.21 Required is 50 Borrower has 9.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 Required is 700 Borrower has 733 |  | 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 |
| 858653 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 11:21 | 2026-03-03 10:53 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Credit finding has been waived. - Due Diligence Vendor-03/03/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guideline maximum of 50% - Due Diligence Vendor-02/18/2026 |  | Resolved-Credit finding has been waived. - Due Diligence Vendor-03/03/2026<br>| On time mortgage history exceeds guideline requirement - Guidelines require 0x30x12. Borrower has 0x30x64.<br>LTV is less than guideline maximum - Required is 80 Borrower has 61.82 |  | 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 |
| 858653 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 11:29 | 2026-03-03 10:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-The request for an exception for DTI is granted with compensating factors. - Non-material, DTI is exceeded by .1% - Due Diligence Vendor-03/03/2026 <br>Counter-xxxxxx payment was excluded therefore DTI will not change moving to a 30 day account. Finding remains - Due Diligence Vendor-02/24/2026 <br>Open-Audited DTI of 50.1% exceeds Guideline DTI of 50% DTI exceeds guideline maximum. 1003 refelcts xxxxxx was to be paid off, but CD does not reflect that it was. - Due Diligence Vendor-02/18/2026 |  | Waived-The request for an exception for DTI is granted with compensating factors. - Non-material, DTI is exceeded by .1% - Due Diligence Vendor-03/03/2026<br>| On time mortgage history exceeds guideline requirement - Guidelines require 0x30x12. Borrower has 0x30x64.<br>LTV is less than guideline maximum - Required is 80 Borrower has 61.82 | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 2 months or more / Compensating Factor 3 - Residual income more than 1.5x 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 | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 858653 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 10:42 | 2026-02-25 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. No new debt acquired. - Due Diligence Vendor-02/25/2026 <br>Open-LOX for credit inquiries is missing. Provide LOX for inquiries on credit report. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received LOX for credit inquiries. No new debt acquired. - Due Diligence Vendor-02/25/2026<br>| On time mortgage history exceeds guideline requirement - Guidelines require 0x30x12. Borrower has 0x30x64.<br>LTV is less than guideline maximum - Required is 80 Borrower has 61.82 |  | 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 |
| 858655 | xxxxxx C A | Closed | xxxxxx | 2026-02-23 12:14 | 2026-03-09 07:21 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved----Lender credit decrease due to loan amount decrease and mortgage tax decrease. Finding Resolved. - Due Diligence Vendor-03/09/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($810.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,125.00). 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 $2,125.00 to $810.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,315.00, 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-02/23/2026 |  | Resolved----Lender credit decrease due to loan amount decrease and mortgage tax decrease. Finding Resolved. - Due Diligence Vendor-03/09/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814 |  | 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 |
| 858670 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858677 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858681 | xxxxxx C A | Closed | xxxxxx | 2026-02-05 09:03 | 2026-02-09 16:21 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries was not required; subject only. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Lender response: The 2 inquiries on credit refresh was the result of original credit pull for mortgage application with advantage credit as you can see from the credit report. Please be kindly noted that there were no other creditor inquiries. LOEs are not required for this case. Please waive the condition, otherwise please kindly provide in detail in what inquiry and the reason for the LOE if required. - Due Diligence Vendor-02/09/2026 <br>Open-LOX for credit inquiries is missing. File does not contain LOX for credit inquiries - Due Diligence Vendor-02/05/2026 |  | Resolved-LOX for credit inquiries was not required; subject only. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 735; guidelines require 680. Required is 680 Borrower has 735<br>LTV is less than guideline maximum - LTV 74%. Allowed LTV 80% Required is 80 Borrower has 74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858681 | xxxxxx C A | Closed | xxxxxx | 2026-02-05 09:03 | 2026-02-09 16:21 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-02/09/2026 <br>Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing - Due Diligence Vendor-02/05/2026 |  | Resolved-Received Seller CD. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 735; guidelines require 680. Required is 680 Borrower has 735<br>LTV is less than guideline maximum - LTV 74%. Allowed LTV 80% Required is 80 Borrower has 74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858681 | xxxxxx C A | Closed | xxxxxx | 2026-02-05 08:57 | 2026-02-09 11:24 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received evidence of EMD. - Due Diligence Vendor-02/09/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-8719.31'. Assets are Insufficient. EMD was not verified. - Due Diligence Vendor-02/05/2026 |  | Resolved-Received evidence of EMD. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 735; guidelines require 680. Required is 680 Borrower has 735<br>LTV is less than guideline maximum - LTV 74%. Allowed LTV 80% Required is 80 Borrower has 74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858689 | xxxxxx C B A | Closed | xxxxxx | 2026-01-30 18:46 | 2026-02-09 13:32 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided fully executed VOM, no lates - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. VOR is already in file. Please remove this condition. - Seller-02/06/2026 <br>Counter-Received Beneficiary Demand from Title. Missing Housing history. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. The original mortgage is being paid off. Please clear this condition. - Seller-02/02/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Current mortgage is a private mortgage and a copy of the mortgage/note is needed to verify creditor and when payments were due. Additional conditions may apply - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. VOR is already in file. Please remove this condition. - Seller-02/06/2026 <br> Ready for Review-Document Uploaded. The original mortgage is being paid off. Please clear this condition. - Seller-02/02/2026 | Resolved-Client provided fully executed VOM, no lates - Due Diligence Vendor-02/09/2026<br>| Months Reserves exceed minimum required - Min 4, actual 20.95<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.63 |  | 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 |
| 858689 | xxxxxx C B A | Closed | xxxxxx | 2026-01-23 12:16 | 2026-02-03 12:15 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-----Received notification that origination fee is a broker compensation fee. Finding Resolved. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Its a lender paid broker compensation fee. Pleaser remove this condition. - Seller-02/01/2026 <br>Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply.<br>- Due Diligence Vendor-01/23/2026 | Ready for Review-Its a lender paid broker compensation fee. Pleaser remove this condition. - Seller-02/01/2026 | Resolved-----Received notification that origination fee is a broker compensation fee. Finding Resolved. - Due Diligence Vendor-02/03/2026<br>| Months Reserves exceed minimum required - Min 4, actual 20.95<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.63 |  | 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 |
| 858689 | xxxxxx C B A | Closed | xxxxxx | 2026-01-23 12:48 | 2026-01-23 12:48 | 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-01/23/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026<br>| Months Reserves exceed minimum required - Min 4, actual 20.95<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.63 |  | 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 |
| 858690 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858693 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 14:48 | 2026-02-20 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower 1 3rd Party VOE - Due Diligence Vendor-02/20/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Closing VVOE is not filled out completely, boxes are not checked. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received Borrower 1 3rd Party VOE - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.96<br>LTV is less than guideline maximum - Required is 80 Borrower has 68.73 |  | 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 |
| 858695 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 23:04 | 2026-02-25 12:03 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received updated Title. - Due Diligence Vendor-02/25/2026 <br>Counter-Finding remains. Title provided does not reflect any coverages. Provide title supplement or final title reflecting coverage equal or greater than loan amount. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/18/2026 <br>Counter-No document provided. Received comment from lender "see attached", but no document was uploaded. - Due Diligence Vendor-02/18/2026 <br>Open-Property Title Issue Missing title insurance coverage - Due Diligence Vendor-02/11/2026 |  | Resolved-Received updated Title. - Due Diligence Vendor-02/25/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 64.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.87 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858695 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 23:52 | 2026-02-19 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Client provided Third Party Fraud Report. EPLS/OFAC cleared - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/18/2026 <br>Counter-No document provided. Received comment from lender "see attached", but no document was uploaded. - Due Diligence Vendor-02/18/2026 <br>Open-Missing Third Party Fraud Report Fraud/OFAC report missing from the loan file - Due Diligence Vendor-02/11/2026 |  | Resolved-Client provided Third Party Fraud Report. EPLS/OFAC cleared - Due Diligence Vendor-02/19/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 64.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.87 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858708 | xxxxxx C A | Closed | xxxxxx | 2026-02-05 14:21 | 2026-02-13 07:21 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-02/13/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ------Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-02/05/2026 |  | Resolved----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-02/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.71<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 62.11 |  | 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 |
| 858715 | xxxxxx B A | Closed | xxxxxx | 2026-02-06 20:16 | 2026-03-23 08:51 | 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 7.686% is within allowable threshold of APOR of 6.06% + 3.75% or 9.81% dh - Due Diligence Vendor-03/23/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.686% is within allowable threshold of APOR of 6.06% + 3.75% or 9.81% - Due Diligence Vendor-02/07/2026 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.686% is within allowable threshold of APOR of 6.06% + 3.75% or 9.81% dh - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.33<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.95 |  | 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 |
| 858731 | xxxxxx D B C A | Closed | xxxxxx | 2026-02-10 15:12 | 2026-03-02 07:42 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received COC for Pricing change. Finding Resolved. - Due Diligence Vendor-03/02/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($4,473.45) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,656.00). 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 $4,656.00 to $4,473.45 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $182.55, 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-02/10/2026 |  | Resolved-----Received COC for Pricing change. Finding Resolved. - Due Diligence Vendor-03/02/2026<br>| Credit history exceeds minimum required - Credit History = 173 Months Minimum Credit History = 24 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720 Required is 660 Borrower has 720 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858731 | xxxxxx D B C A | Closed | xxxxxx | 2026-02-18 07:00 | 2026-02-20 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/20/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE within 10 days of closing date. - Due Diligence Vendor-02/18/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/20/2026<br>| Credit history exceeds minimum required - Credit History = 173 Months Minimum Credit History = 24 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720 Required is 660 Borrower has 720 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858731 | xxxxxx D B C A | Closed | xxxxxx | 2026-02-18 07:00 | 2026-02-20 09:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/20/2026 <br>Open-Income and Employment Do Not Meet Guidelines WVOE for current employer shows white-out on document which is required to be initialed by party who completed document. - Due Diligence Vendor-02/18/2026 |  | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/20/2026<br>| Credit history exceeds minimum required - Credit History = 173 Months Minimum Credit History = 24 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720 Required is 660 Borrower has 720 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858731 | xxxxxx D B C A | Closed | xxxxxx | 2026-02-18 09:11 | 2026-02-18 09:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow Condo does not meet guides, Non-material waiver applied with comp factors. - Due Diligence Vendor-03/24/2026 <br> Open-1. INVESTOR<br> CONCENTRATION — 72% & 2. SINGLE ENTITY 33% & 3.<br> SPECIAL ASSESSMENT PLANNED FOR FENCING PROJECT - Due Diligence Vendor-02/18/2026 |  | Waived-Client exception granted to allow Condo does not meet guides, Non-material waiver applied with comp factors. - Due Diligence Vendor-03/24/2026<br>| Credit history exceeds minimum required - Credit History = 173 Months Minimum Credit History = 24 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720 Required is 660 Borrower has 720 | Credit Score 10 points > minimum required 720(700) ; Reserves exceeded requirement by 2 months or<br> more 12mo (6Mo); | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858733 | xxxxxx C A B | Closed | xxxxxx | 2026-02-23 15:29 | 2026-03-04 10:46 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received update Flood Cert. - Due Diligence Vendor-03/04/2026 <br> Open-Flood Certification Date is greater than xxxxxx - Due Diligence Vendor-02/23/2026 |  | Resolved-Received update Flood Cert. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.34<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858733 | xxxxxx C A B | Closed | xxxxxx | 2026-02-19 13:38 | 2026-03-02 10:57 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR on subject loan of 7.442% is within allowable threshold of APOR of 6.06% + 1.75% or 7.81%. - Due Diligence Vendor-03/02/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.442% is within allowable threshold of APOR of 6.06% + 1.75% or 7.81%. - Due Diligence Vendor-02/19/2026 |  | Resolved-APR on subject loan of 7.442% is within allowable threshold of APOR of 6.06% + 1.75% or 7.81%. - Due Diligence Vendor-03/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.34<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858744 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858774 | xxxxxx D B A | Closed | xxxxxx | 2026-01-29 16:00 | 2026-02-19 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated appraisal - Due Diligence Vendor-02/19/2026 <br>Counter-Received duplicate fraud report. Please provide appraisal company A-list Appraisals. (currently reflects AMC and not the appraisal company) - Due Diligence Vendor-02/11/2026 <br>Counter-Received Fraud Report. Company listed on Fraud report is Appraisal Links and 1004 reflect A-list Appraisals. - Due Diligence Vendor-02/06/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and appraisal company reflected on Fraud report is not the same parties that show as appraisal company and appraiser. - Due Diligence Vendor-01/29/2026 |  | Resolved-Received updated appraisal - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.7 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 858774 | xxxxxx D B A | Closed | xxxxxx | 2026-02-13 09:44 | 2026-02-17 15:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-All income taxes were paid per the tax transcripts in file. - Due Diligence Vendor-02/17/2026 <br> Open-Page 2 of the personal tax return is not signed. Furthermore, the 2024 tax transcript reflects borrower owed xxxxxx payment with return on 4/20/2025. Provide proof that the taxes were paid. Subject to additional conditions. - Due Diligence Vendor-02/13/2026 |  | Resolved-All income taxes were paid per the tax transcripts in file. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.7 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 858774 | xxxxxx D B A | Closed | xxxxxx | 2026-01-29 15:51 | 2026-02-12 17:52 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Tax Returns Less Than 24 Months Provided | Resolved-AUS is not required. - Due Diligence Vendor-02/12/2026 <br>Open-Borrower 1 Business Tax Returns Less Than 24 Months Provided Provide AUS to show proof it is only requiring 1 year tax returns. (document relief only) - Due Diligence Vendor-02/12/2026 |  | Resolved-AUS is not required. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.7 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 858774 | xxxxxx D B A | Closed | xxxxxx | 2026-01-29 12:53 | 2026-01-29 14:00 | 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-01/29/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.7 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858777 | xxxxxx C A | Closed | xxxxxx | 2026-02-19 12:51 | 2026-02-27 11:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received corrected 1003 and rent free letter. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/26/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR for the primary residence. - Due Diligence Vendor-02/19/2026 |  | Resolved-Received corrected 1003 and rent free letter. - Due Diligence Vendor-02/27/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 35.42 Required is 45 Borrower has 35.42<br>Long term residence - Borrower at current residence for 20+ years |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858777 | xxxxxx C A | Closed | xxxxxx | 2026-02-19 13:27 | 2026-02-27 11:32 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received revised final seller settlement statement confirming 2nd lien was paid as accommodation request from seller. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/26/2026 <br>Open-Payoff(s) on the CD/HUD are not reported on Title Report. Second Lien being paid off on Seller CD not listed on Title - Due Diligence Vendor-02/19/2026 |  | Resolved-Received revised final seller settlement statement confirming 2nd lien was paid as accommodation request from seller. - Due Diligence Vendor-02/27/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 35.42 Required is 45 Borrower has 35.42<br>Long term residence - Borrower at current residence for 20+ years |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858797 | xxxxxx C A | Closed | xxxxxx | 2026-02-23 17:37 | 2026-02-25 14:11 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received email from lender to change to Cash Out. 12 Month bank statements - Max LTV for Cash Out = 75% - Due Diligence Vendor-02/24/2026 <br>Open-Cash Out Does Not Meet Guideline Requirements Cash back of $8,623.75 exceeds Max Cash Back for Rate/Term - Lesser of 2% or $5,000 - Due Diligence Vendor-02/23/2026 |  | Resolved-Received email from lender to change to Cash Out. 12 Month bank statements - Max LTV for Cash Out = 75% - Due Diligence Vendor-02/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.95<br>LTV is less than guideline maximum - Required is 80 Borrower has 69.29 |  | 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 |
| 858797 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 13:28 | 2026-02-24 13:21 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-The xxxxxx was purchased under a power purchase agreement and payments are calculated based on the energy produced. Payments may be excluded from the DTI per xxxxxx.<br> - Due Diligence Vendor-02/24/2026 <br>Open-The Tradelines for the borrower(s) do not meet the guideline requirements. xxxxxx power purchase contract was provided but need repayment structure to add monthly debt to DTI. - Due Diligence Vendor-02/18/2026 |  | Resolved-The xxxxxx was purchased under a power purchase agreement and payments are calculated based on the energy produced. Payments may be excluded from the DTI per xxxxxx.<br> - Due Diligence Vendor-02/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.95<br>LTV is less than guideline maximum - Required is 80 Borrower has 69.29 |  | 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 |
| 858797 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 13:34 | 2026-02-20 09:57 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/20/2026 <br> Open-Income and Employment Do Not Meet Guidelines Need most recent YTD P&L prepared by 3rd party CPA/EA/xxxxxx/Tax Attorney signed and dated. - Due Diligence Vendor-02/18/2026 |  | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.95<br>LTV is less than guideline maximum - Required is 80 Borrower has 69.29 |  | 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 |
| 858804 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 11:23 | 2026-02-25 16:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-The borrower's most recent paystubs reflects 30 days of pay and YTD earnings as guides require. - Due Diligence Vendor-02/25/2026 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided Missing a full 30 days of paystubs (borrower is paid weekly-1 paystub provided) - Due Diligence Vendor-02/10/2026 |  | Resolved-The borrower's most recent paystubs reflects 30 days of pay and YTD earnings as guides require. - Due Diligence Vendor-02/25/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858804 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 11:23 | 2026-02-25 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Borrower 1 Executed 4506-T/4506-C is Provided - Due Diligence Vendor-02/25/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing Question 8 to be completed (borrower has secondary wage earner inocme) - Due Diligence Vendor-02/10/2026 |  | Resolved-Borrower 1 Executed 4506-T/4506-C is Provided - Due Diligence Vendor-02/25/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858806 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858809 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 10:33 | 2026-01-27 16:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-01/26/2026 <br>Open-Borrower 1 Gap Credit Report is Missing not provided - Due Diligence Vendor-01/23/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-01/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721 |  | 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 |
| 858810 | xxxxxx D A | Closed | xxxxxx | 2026-01-30 19:06 | 2026-02-03 13:21 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Credit Refresh. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-02/02/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/31/2026 |  | Resolved-Received Credit Refresh. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.46<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.99 |  | 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 |
| 858810 | xxxxxx D A | Closed | xxxxxx | 2026-01-30 19:50 | 2026-02-03 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see attached teh property profile along with the Mortgage statements for xxxxxx REO xxxxxx - Buyer-02/02/2026 <br> Open-Missing VOM and payment verification for 2nd liens on REO per the 1003. - Due Diligence Vendor-01/31/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.46<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.99 |  | 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 |
| 858810 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 22:41 | 2026-02-03 13:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-This is a Primary residendence not an investment , Please review and clear the condition - Buyer-02/02/2026 <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-01/29/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.46<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.99 |  | 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 |
| 858813 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858824 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858851 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 13:22 | 2026-02-06 11:25 | 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-02/06/2026 <br>Ready for Review-Document Uploaded. 2/5/26 - please see gap report with inquiry letter. Manually uploaded in xxxxxx. - Buyer-02/05/2026 <br>Counter-Received Credit Refresh for another borrower. Please provide for borrower. - Due Diligence Vendor-02/03/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 33 days old. Fraud report reflects undisclosed real estate, not used - Due Diligence Vendor-01/29/2026 |  | Resolved-Received UDM. - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.84<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858851 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 12:34 | 2026-02-03 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-02/03/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Required on a cash out - Due Diligence Vendor-01/29/2026 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.84<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858854 | xxxxxx D A | Closed | xxxxxx | 2026-02-09 18:40 | 2026-02-15 17:13 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Received HOI reflecting vested entity as insured along with borrower. - Due Diligence Vendor-02/15/2026 <br>Ready for Review-Document Uploaded. Added business as additional interest - that's the best they could do with the policy being already done. - Seller-02/12/2026 <br>Open-Named Insured does not match Borrower(s) Name(s) File closed in the name of an LLC. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Added business as additional interest - that's the best they could do with the policy being already done. - Seller-02/12/2026 | Resolved-Received HOI reflecting vested entity as insured along with borrower. - Due Diligence Vendor-02/15/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.26 Required is 50 Borrower has 16.26 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858854 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 10:05 | 2026-02-11 16:54 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Entity Documentation. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Good standing letter - Seller-02/10/2026 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Documentation missing for xxxxxx - <br> Entity articles of organization or partnership (or equivalent)<br> Evidence of good standing for the state in which the entity was formed<br> Evidence of good standing not required for new entity (i.e., formed within 120 days of the Note date)<br> For all other entities, a certificate of good standing is required as follows:<br> Certificate of Good Standing or screen shot from state website<br> The date the document was pulled must be dated within 120 days of the Note date<br> Entity documents authorizing the guarantor to execute loan documents on behalf of the entity (e.g., <br> Operating Agreement, Certificate of Authorization)<br> If not available, a Borrowing Certificate is required<br> Borrowing Certificate (LLC Borrowing Certificate - Single Member or LLC Borrowing Certificate -<br> Multiple Member)<br> Entity documents must include a list of members/managers (e.g., organization structure) and, if more than <br> one member/manager, the ownership percentage must also be included<br> Employer Identification Number (EIN)/Tax Identification Number - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Good standing letter - Seller-02/10/2026 | Resolved-Received Entity Documentation. - Due Diligence Vendor-02/11/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.26 Required is 50 Borrower has 16.26 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858854 | xxxxxx D A | Closed | xxxxxx | 2026-02-09 19:09 | 2026-02-11 16:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Entity Documentation. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026 | Resolved-Received Entity Documentation. - Due Diligence Vendor-02/11/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.26 Required is 50 Borrower has 16.26 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858854 | xxxxxx D A | Closed | xxxxxx | 2026-02-09 19:09 | 2026-02-11 16:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Tax Preparer Documentation. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Please see comment on bottom of profit/loss. - Seller-02/10/2026 <br>Open-Borrower 1 CPA Letter Missing CPA letter is not dated and does not confirm the preparer completed or filed the most recent business tax return. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Please see comment on bottom of profit/loss. - Seller-02/10/2026 | Resolved-Received Tax Preparer Documentation. - Due Diligence Vendor-02/11/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.26 Required is 50 Borrower has 16.26 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858854 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 10:16 | 2026-02-11 16:52 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Entity Documentation. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. See attached - not our borrower holding the mortgage lien. - Seller-02/10/2026 <br> Open-Property Title Issue Current mortgage is in the name of xxxxxx, missing documentation of LLC ownership in relation to borrower - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. See attached - not our borrower holding the mortgage lien. - Seller-02/10/2026 | Resolved-Received Entity Documentation. - Due Diligence Vendor-02/11/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.26 Required is 50 Borrower has 16.26 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858858 | xxxxxx C A | Closed | xxxxxx | 2026-02-10 14:07 | 2026-02-20 10:23 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-02/20/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description in mortgage chain. - Due Diligence Vendor-02/10/2026 |  | Resolved-Received DOT w/Legal. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.22<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 37.64 |  | 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 |
| 858860 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858876 | xxxxxx C A | Closed | xxxxxx | 2026-02-11 17:21 | 2026-02-20 10:05 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud report - Due Diligence Vendor-02/20/2026 <br> Counter-Received xxxxxx and OFAC search. Missing Full Fraud Report including non borrower in complete search. Missing proof searched other Gov/t and xxxxxx. - Due Diligence Vendor-02/17/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing signer not on search list - Due Diligence Vendor-02/11/2026 |  | Resolved-Received updated Fraud report - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.75<br>LTV is less than guideline maximum - Required is 70 Borrower has 23.88<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 646 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858881 | xxxxxx C B A | Closed | xxxxxx | 2026-02-14 09:28 | 2026-02-19 09:05 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. - Seller-02/17/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Both CU and LCA in file are > 2.5. - Due Diligence Vendor-02/14/2026 | Ready for Review-Document Uploaded. - Seller-02/17/2026 | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.27<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 26.13 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 | N/A | N/A | xxxxxx |
| 858881 | xxxxxx C B A | Closed | xxxxxx | 2026-02-11 11:55 | 2026-02-18 09:40 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/17/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $123.60.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $123.60 (Appraisal Desk Review Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $123.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/17/2026 | Resolved-----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.27<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 26.13 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 | N/A | N/A | xxxxxx |
| 858881 | xxxxxx C B A | Closed | xxxxxx | 2026-02-11 12:12 | 2026-02-17 11:25 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Waived-Originator waiver applied to non material finding-only a middle initial was added, not of concern. - Due Diligence Vendor-02/17/2026 <br>Open-Borrower 1 Signature does not match Note Borrower added middle letter initial to DOT that does not match Note. - Due Diligence Vendor-02/11/2026 |  | Waived-Originator waiver applied to non material finding-only a middle initial was added, not of concern. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.27<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 26.13 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 Post-Close | No | xxxxxx |
| 858881 | xxxxxx C B A | Closed | xxxxxx | 2026-02-17 11:13 | 2026-02-17 11:25 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Originator waiver applied to non material finding-borrower has 18 months at present business meets xxxxxx requirements. - Due Diligence Vendor-02/17/2026 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-02/17/2026 |  | Waived-Originator waiver applied to non material finding-borrower has 18 months at present business meets xxxxxx requirements. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.27<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 26.13 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 Post-Close | No | xxxxxx |
| 858884 | xxxxxx C A | Closed | xxxxxx | 2026-01-30 10:51 | 2026-02-12 14:21 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received revised 1008 and 1003 removing rental income for xxxxxx - Due Diligence Vendor-02/12/2026 <br> Counter-Pending rental income finding. - Due Diligence Vendor-02/06/2026 <br> Open-Missing rental income documentation for property xxxxxx - 1008 shows a positive rental income of $2737.50 that was not documented - Due Diligence Vendor-01/30/2026 |  | Resolved-Received revised 1008 and 1003 removing rental income for xxxxxx - Due Diligence Vendor-02/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 Required is 660 Borrower has 710<br>LTV is less than guideline maximum - Required is 85 Borrower has 73.43 Required is 85 Borrower has 73.43 |  | 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 |
| 858884 | xxxxxx C A | Closed | xxxxxx | 2026-01-30 10:51 | 2026-02-12 14:21 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received revised 1008 and 1003 removing rental income for xxxxxx - Due Diligence Vendor-02/12/2026 <br> Counter-Pending rental income finding - Due Diligence Vendor-02/06/2026 <br> Open-Missing rental income documentation for property xxxxxx - 1008 shows a positive rental income of $2737.50 that was not documented - Due Diligence Vendor-01/30/2026 |  | Resolved-Received revised 1008 and 1003 removing rental income for xxxxxx - Due Diligence Vendor-02/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 Required is 660 Borrower has 710<br>LTV is less than guideline maximum - Required is 85 Borrower has 73.43 Required is 85 Borrower has 73.43 |  | 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 |
| 858884 | xxxxxx C A | Closed | xxxxxx | 2026-01-30 10:57 | 2026-02-12 14:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received revised 1008 and 1003 removing rental income for xxxxxx - Due Diligence Vendor-02/12/2026 <br> Counter-Received partial snip of a 1007. Per guideline a 1007 can only be used on a purchase transaction. For subject transaction - Guideline indicates rental income may be considered on a subject property Refinance <br> transaction and/or non-subject property with the following documentation: ▪ Copy of current lease agreement which states the monthly rental amount and terms of the lease, and▪ Bank statements for the most recent 2 months to confirm regular receipt of the rental income. If rental receipt is being deposited into the same account being used to document self-employment income, then the deposits must be backed out of the self-employment income calculation and ▪ Calculate income using 75% of the lease agreement less PITIA - Due Diligence Vendor-02/06/2026 <br> Open-Missing rental income documentation for property xxxxxx - 1008 shows a positive rental income of $2737.50 that was not documented - Due Diligence Vendor-01/30/2026 |  | Resolved-Received revised 1008 and 1003 removing rental income for xxxxxx - Due Diligence Vendor-02/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 Required is 660 Borrower has 710<br>LTV is less than guideline maximum - Required is 85 Borrower has 73.43 Required is 85 Borrower has 73.43 |  | 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 |
| 858884 | xxxxxx C A | Closed | xxxxxx | 2026-01-29 13:37 | 2026-02-10 10:13 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Received Permanent Resident card. - Due Diligence Vendor-02/10/2026 <br>Counter-Received passport reflecting stamp prior to expiration. Please provide I-797 Notice of Action that extends the borrower's Green Card. - Due Diligence Vendor-02/06/2026 <br>Open-Immigrant visa provided has expired- Copy of front and back of unexpired I-551 Permanent Resident Card required OR If no Permanent Resident Card, or if Permanent Resident Card is expired, the following can be accepted: Unexpired I-551 stamp (generally affixed to an I-94 or passport), or I-797 Notice of Action that extends the borrower's Green Card. - Due Diligence Vendor-01/30/2026 |  | Resolved-Received Permanent Resident card. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 Required is 660 Borrower has 710<br>LTV is less than guideline maximum - Required is 85 Borrower has 73.43 Required is 85 Borrower has 73.43 |  | 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 |
| 858891 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-24 10:48 | 2026-02-26 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Borrower Certification of Business Purpose. - Due Diligence Vendor-02/26/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Subject is a cash out refinance. Business Purpose Affidavit is required - Due Diligence Vendor-02/24/2026 |  | Resolved-Received Borrower Certification of Business Purpose. - Due Diligence Vendor-02/26/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.1 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858891 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-23 15:57 | 2026-02-24 11:09 | Waived | 2 - Non-Material C B | Property | Property | Property Issues are Present | Waived-Client exception granted to allow Square footage of xxxxxx , Non-material waiver applied with comp factors. Appraisal comparables are similar xxxxxx as subject and does not have impact on marketability and value. - Due Diligence Vendor-03/24/2026 <br> Open-Exception Square footage for unit xxxxxx is xxxxxx. Exception required for unit's uniquely small size. - Due Diligence Vendor-02/23/2026 |  | Waived-Client exception granted to allow Square footage of xxxxxx , Non-material waiver applied with comp factors. Appraisal comparables are similar xxxxxx as subject and does not have impact on marketability and value. - Due Diligence Vendor-03/24/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.1 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Subject property home ownership > 10 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 858913 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858917 | xxxxxx D A B | Closed | xxxxxx | 2026-02-04 20:06 | 2026-02-10 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-02/10/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/05/2026 |  | Resolved-Received fraud report. - Due Diligence Vendor-02/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858917 | xxxxxx D A B | Closed | xxxxxx | 2026-02-03 10:09 | 2026-02-05 14:40 | 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 7.292% is within allowable threshold of APOR of 6.06% + 1.75% or 7.81%. - Due Diligence Vendor-02/05/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.292% is within allowable threshold of APOR of 6.06% + 1.75% or 7.81%. - Due Diligence Vendor-02/03/2026 |  | Resolved-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.292% is within allowable threshold of APOR of 6.06% + 1.75% or 7.81%. - Due Diligence Vendor-02/05/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858921 | 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 |  |  |  |
| 858925 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 19:44 | 2026-03-03 15:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Full REO documents provided. - Due Diligence Vendor-03/03/2026 <br> Counter-Received 1007 for xxxxxx. Received Self employment and Wage income Calculator and LOX. Review of loan file and documents reveal xxxxxx have separate mortgages. are missing the following 1. xxxxxx-Missing PITIA for xxxxxx.- not on Sch E. 2.-xxxxxx- Schedule E reflect mortgage interest and provided 1007 with separate loan numbers for noted properties.- Missing mortgage statement for xxxxxx.- Schedule E also did not provide Taxes and HOA. 3. xxxxxx- mtg smnt and property profile in file. Missing Insurance and HOA. 4. Missing PITIA for xxxxxx - Due Diligence Vendor-02/18/2026 <br> Open-Audited DTI of 185.71% exceeds AUS DTI of 50% REO obligation based on Schedule E vs. leases - Due Diligence Vendor-02/04/2026 |  | Resolved-Full REO documents provided. - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 786 with required 700<br>Months Reserves exceed minimum required - 49 months reserves exceed required 27 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858925 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 16:20 | 2026-03-03 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review no additional documentation required - Due Diligence Vendor-03/23/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing - Due Diligence Vendor-02/03/2026 |  | Resolved-Upon further review no additional documentation required - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 786 with required 700<br>Months Reserves exceed minimum required - 49 months reserves exceed required 27 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858925 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 15:58 | 2026-03-03 15:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received documentation to support the primary residence is a xxxxxx-unit which was already included in the DTI. - Due Diligence Vendor-02/09/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing the following: <br> Proof the primary residence is owned free and clear, and proof of all applicable taxes and insurance <br> Proof of the monthly tax obligation for the property designated on the URLA as xxxxxx - Due Diligence Vendor-02/03/2026 |  | Resolved-Received documentation to support the primary residence is a xxxxxx-unit which was already included in the DTI. - Due Diligence Vendor-02/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 786 with required 700<br>Months Reserves exceed minimum required - 49 months reserves exceed required 27 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858925 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 16:52 | 2026-02-24 07:25 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-After further review, the statement is in the borrower's name as an individual and the trust. Trust docs are not required. - Due Diligence Vendor-02/24/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements The xxxxxx account is in the borrower's name and in a Trust and there are no trust docs in the loan file. - Due Diligence Vendor-02/03/2026 |  | Resolved-After further review, the statement is in the borrower's name as an individual and the trust. Trust docs are not required. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 786 with required 700<br>Months Reserves exceed minimum required - 49 months reserves exceed required 27 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858937 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 19:00 | 2026-01-30 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management approval for Fraud Report over 800 received. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. Uploaded. xxxxxx letter approval. - Seller-01/28/2026 <br>Open-Third Party Fraud Report Partially Provided Missing manager approval Score 870. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Uploaded. xxxxxx letter approval. - Seller-01/28/2026 | Resolved-Received Management approval for Fraud Report over 800 received. - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.2<br>LTV is less than guideline maximum - Required is 75 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 693 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858938 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 19:07 | 2026-02-19 12:13 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator) waiver applied to non-material Findings. - Due Diligence Vendor-02/19/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator) waiver applied to non-material Findings. - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 760<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.71 |  | 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 |
| 858938 | xxxxxx C B A | Closed | xxxxxx | 2026-02-06 15:18 | 2026-02-17 13:32 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received OFAC and GSA LDP. All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Uploaded. See GSA/LGP and OFAC Results non-borrower. - Seller-02/12/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists xxxxxx xxxxxx (non borrowing spouse) Not Checked with Exclusionary Lists - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. Uploaded. See GSA/LGP and OFAC Results non-borrower. - Seller-02/12/2026 | Resolved-Received OFAC and GSA LDP. All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 760<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.71 |  | 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 |
| 858938 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 16:09 | 2026-02-04 16:09 | 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. - Due Diligence Vendor-02/04/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 760<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.71 |  | 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 |
| 858940 | xxxxxx D A | Closed | xxxxxx | 2026-02-02 16:43 | 2026-02-17 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Document Uploaded. Both properties are commercial and not included in the DTI. - Due Diligence Vendor-02/17/2026 <br> Counter-Received property provide for xxxxxx confirming as commercial property. The property reflects on final 1003. Please clarify or provide HOI as property profile provide re taxes. Received documentation xxxxxx is business use missing confirmation of property type. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-[Response 1: xxxxxx] Regarding the property at xxxxxx, please note that this is a commercial property used exclusively for business purposes.<br>Business Purpose: As evidenced by the provided xxxxxx Loan Statement and Promissory Note, the debt is a business-purpose loan.<br>Payment Responsibility: All mortgage payments (PITIA) are paid directly by the business entity, not the individual borrower.<br>Location: This address (specifically xxxxxx) serves as the borrower's self-business location. Since this is a commercial debt paid by the business, it should not be reflected in the borrower's personal PITIA or debt obligations.<br>[Response 2: xxxxxx] Regarding the property at xxxxxx, we have provided documentation confirming this is a xxxxxx (Commercial Property).<br>Property Type & HOA: As the property is classified as retail/commercial, there is no HOA requirement. The tax documents already submitted reflect the property type and the mortgage release record.<br>Mortgage Status: The provided tax and title documents confirm the status of the property, and no further residential-style HUD or mortgage history is applicable to this commercial asset. - Seller-02/11/2026 <br> Counter-Received Mortgage statements. Review of Fraud report confirm both purchased xxxxxx with a loan obtained. Provide the HUD from recent saie to to confirm no mortgages were paid and PITIA. If a mortgage is reflected as paid, history for noted mortgage will be required. Additional finding may apply. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. We are providing the following clarification regarding the properties at xxxxxx and xxxxxx.<br>xxxxxx (Business Operation): This property is used exclusively for business purposes (located at the same address as the business). Although payments only commenced on xxxxxx—making a 12-month history currently unavailable—the attached business bank statements clearly demonstrate that all mortgage payments are made directly from the business account.<br>xxxxxx (xxxxxx/xxxxxx): This property is utilized as a xxxxxx for business operations and is owned free and clear. As there is no existing mortgage or lien, this property carries no debt obligation and is not required to maintain hazard insurance.<br>Please clear the condition. - Seller-02/03/2026 <br> Open-Provide verification of taxes and insurance on xxxxxx and xxxxxx. Also, confirm no HOA. - Due Diligence Vendor-02/02/2026 | Ready for Review-[Response 1: xxxxxx] Regarding the property at xxxxxx, please note that this is a commercial property used exclusively for business purposes.<br>Business Purpose: As evidenced by the provided xxxxxx Loan Statement and Promissory Note, the debt is a business-purpose loan.<br>Payment Responsibility: All mortgage payments (PITIA) are paid directly by the business entity, not the individual borrower.<br>Location: This address (specifically xxxxxx) serves as the borrower's self-business location. Since this is a commercial debt paid by the business, it should not be reflected in the borrower's personal PITIA or debt obligations.<br>[Response 2: xxxxxx] Regarding the property at xxxxxx, we have provided documentation confirming this is a xxxxxx (Commercial Property).<br>Property Type & HOA: As the property is classified as retail/commercial, there is no HOA requirement. The tax documents already submitted reflect the property type and the mortgage release record.<br>Mortgage Status: The provided tax and title documents confirm the status of the property, and no further residential-style HUD or mortgage history is applicable to this commercial asset. - Seller-02/11/2026 <br> Ready for Review-Document Uploaded. We are providing the following clarification regarding the properties at xxxxxx and xxxxxx.<br>xxxxxx (Business Operation): This property is used exclusively for business purposes (located at the same address as the business). Although payments only commenced on xxxxxx—making a 12-month history currently unavailable—the attached business bank statements clearly demonstrate that all mortgage payments are made directly from the business account.<br>xxxxxx (xxxxxx/xxxxxx): This property is utilized as a xxxxxx for business operations and is owned free and clear. As there is no existing mortgage or lien, this property carries no debt obligation and is not required to maintain hazard insurance.<br>Please clear the condition. - Seller-02/03/2026 | Resolved-Document Uploaded. Both properties are commercial and not included in the DTI. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 756<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.74 |  | 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 |
| 858941 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858943 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 12:38 | 2026-02-09 09:55 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-EMD was sourced and updated assets were provided. - Due Diligence Vendor-02/09/2026 <br> Counter-Received LOX and Bank Statements to account for $75,100 of deposit. Total to be confirmed 299,200. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Counter-No new document provided. Lender response " Please be advised that the deposit receipt has the wire details and please see attached bank statements showing the source of funds . Please review and advise". The referenced Deposit receipt was not located in upload. Atty letter indicate funds were wired in 2022 iao $300,000 for two transactions. Subject EMD is $299200.00.. Unable to confirm EMD with statements provided. - Due Diligence Vendor-02/05/2026 <br> Counter-Received bank statements and xxxxxx settlement letter. None of the noted statements reflected the EMD nor receipt of settlement figures. - Due Diligence Vendor-02/04/2026 <br> Counter-Received deposit receipts dated 2022. Missing validation of borrower available funds. - Due Diligence Vendor-02/03/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Borrower purchased xxxxxx units together. Funds not adequately sourced. Provide source of funds for EMD $299200.00 - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026 | Resolved-EMD was sourced and updated assets were provided. - Due Diligence Vendor-02/09/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 732 Required is 640 Borrower has 732 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858943 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 12:42 | 2026-02-03 11:09 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received processor cert and corrected 1003 confirming declaration incorrectly marked. - Due Diligence Vendor-02/03/2026 <br>Open-1003 Declaration Borrower has had foreclosure in past 7 years, provide documentation - Due Diligence Vendor-01/29/2026 |  | Resolved-Received processor cert and corrected 1003 confirming declaration incorrectly marked. - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 732 Required is 640 Borrower has 732 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858943 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 09:18 | 2026-02-03 11:08 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Federal debt or other loan, mortgage, or financial obligation according to the 1003 Declaration | Resolved-Received processors cert and corrected 1003 confirming marked in error. - Due Diligence Vendor-02/03/2026 <br>Open-Delinquent Federal debt or other loan, mortgage, or financial obligation according to the 1003 Declaration. Provide documentation - Due Diligence Vendor-01/29/2026 |  | Resolved-Received processors cert and corrected 1003 confirming marked in error. - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 732 Required is 640 Borrower has 732 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858943 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 19:50 | 2026-02-03 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax estimate considered at closing - Due Diligence Vendor-02/03/2026 <br>Open-Missing Evidence of Property Tax Unable to determine lender calculation of taxes - Due Diligence Vendor-01/29/2026 |  | Resolved-Received tax estimate considered at closing - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 732 Required is 640 Borrower has 732 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858943 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 18:09 | 2026-02-03 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh. - Due Diligence Vendor-02/03/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-01/29/2026 |  | Resolved-Received Credit Refresh. - Due Diligence Vendor-02/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 732 Required is 640 Borrower has 732 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858956 | xxxxxx C A | Closed | xxxxxx | 2026-02-12 12:49 | 2026-02-17 12:31 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received email all AIR regulations met. - Due Diligence Vendor-02/17/2026 <br>Open-No AMC noted on appraisal - provide proof AIR regulations were met - Due Diligence Vendor-02/12/2026 |  | Resolved-Received email all AIR regulations met. - Due Diligence Vendor-02/17/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709 Required is 660 Borrower has 709 |  | 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 |
| 858973 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 17:04 | 2026-02-19 11:38 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiries. - Due Diligence Vendor-02/19/2026 <br> Open-LOX for credit inquiries is missing. Borrower to explain the following credit inquiries: xxxxxx CU on 12/30 & xxxxxx; xxxxxx BANK on 12/31. - Due Diligence Vendor-02/13/2026 |  | Resolved-Received credit inquiries. - Due Diligence Vendor-02/19/2026<br>| CLTV is less than guidelines maximum - 32.12% CLTV is less than max of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - 794 score exceeds minimum of 700. |  | 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 |
| 858976 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 12:30 | 2026-02-20 12:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Guidelines allow up to 60% with residual income of $2,000, which was met. - Due Diligence Vendor-02/11/2026 <br>Open-Audited DTI of 57.41% exceeds AUS DTI of 30.5% Income is substantially lower. - Due Diligence Vendor-02/11/2026 |  | Resolved-Guidelines allow up to 60% with residual income of $2,000, which was met. - Due Diligence Vendor-02/11/2026<br>| Credit history exceeds minimum required - Credit History = 87 Months Minimum Credit History = 24 Months<br>Verified employment history exceeds guidelines - 3 years employment history exceeds min 2 per guides. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858976 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 06:05 | 2026-02-20 12:44 | 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-02/11/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds. - Due Diligence Vendor-02/11/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/11/2026<br>| Credit history exceeds minimum required - Credit History = 87 Months Minimum Credit History = 24 Months<br>Verified employment history exceeds guidelines - 3 years employment history exceeds min 2 per guides. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858976 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 12:06 | 2026-02-19 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Credit supplement provided. - Due Diligence Vendor-02/19/2026 <br>Open-Housing History Does Not Meet Guideline Requirements VOM or note documenting no repayment due on 2nd lien not provided - Due Diligence Vendor-02/10/2026 |  | Resolved-Credit supplement provided. - Due Diligence Vendor-02/19/2026<br>| Credit history exceeds minimum required - Credit History = 87 Months Minimum Credit History = 24 Months<br>Verified employment history exceeds guidelines - 3 years employment history exceeds min 2 per guides. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858976 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 12:06 | 2026-02-19 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit provided. - Due Diligence Vendor-02/19/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/10/2026 |  | Resolved-Gap credit provided. - Due Diligence Vendor-02/19/2026<br>| Credit history exceeds minimum required - Credit History = 87 Months Minimum Credit History = 24 Months<br>Verified employment history exceeds guidelines - 3 years employment history exceeds min 2 per guides. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858976 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 11:31 | 2026-02-19 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE provided. - Due Diligence Vendor-02/19/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE for wage income not found in file. - Due Diligence Vendor-02/10/2026 |  | Resolved-VOE provided. - Due Diligence Vendor-02/19/2026<br>| Credit history exceeds minimum required - Credit History = 87 Months Minimum Credit History = 24 Months<br>Verified employment history exceeds guidelines - 3 years employment history exceeds min 2 per guides. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858976 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 05:46 | 2026-02-11 14:53 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-The work number verified the borrower's semi-monthly rate. - Due Diligence Vendor-02/11/2026 <br>Open-Income and Employment Do Not Meet Guidelines Borrower's rate of pay does not support year-to-date income. Provide LOE to support the use of the semi-monthly income. - Due Diligence Vendor-02/11/2026 |  | Resolved-The work number verified the borrower's semi-monthly rate. - Due Diligence Vendor-02/11/2026<br>| Credit history exceeds minimum required - Credit History = 87 Months Minimum Credit History = 24 Months<br>Verified employment history exceeds guidelines - 3 years employment history exceeds min 2 per guides. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859027 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 859033 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859039 | xxxxxx D A | Closed | xxxxxx | 2026-02-02 16:09 | 2026-02-06 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/06/2026 <br>Counter-Received HOI. Missing Name of Borrower as additional insured. - Due Diligence Vendor-02/05/2026 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-02/03/2026 |  | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/06/2026<br>| Months Reserves exceed minimum required - 90 Months Reserves exceed 12 month minimum required<br>LTV is less than guideline maximum - Required is 60 Borrower has 46.51 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859039 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 08:58 | 2026-02-05 12:32 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/05/2026 <br> Open-xxxxxx Foreign National Affidavit is missing or incomplete - Due Diligence Vendor-02/03/2026 |  | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/05/2026<br>| Months Reserves exceed minimum required - 90 Months Reserves exceed 12 month minimum required<br>LTV is less than guideline maximum - Required is 60 Borrower has 46.51 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859039 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 08:57 | 2026-02-05 12:32 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/05/2026 <br>Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-02/03/2026 |  | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/05/2026<br>| Months Reserves exceed minimum required - 90 Months Reserves exceed 12 month minimum required<br>LTV is less than guideline maximum - Required is 60 Borrower has 46.51 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859045 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859046 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 10:10 | 2026-02-24 13:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD. Disbursement date was xxxxxx - Due Diligence Vendor-02/24/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date was xxxxxx. Provide policy dated prior to disbursement date - Due Diligence Vendor-02/18/2026 |  | Resolved-Received PCCD. Disbursement date was xxxxxx - Due Diligence Vendor-02/24/2026 | Months Reserves exceed minimum required - Min 4, actual 6.18<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.69<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859046 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 16:09 | 2026-02-24 13:16 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received Wire Receipt - Due Diligence Vendor-02/24/2026 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Proof gift was transferred at closing - Due Diligence Vendor-02/18/2026 |  | Resolved-Received Wire Receipt - Due Diligence Vendor-02/24/2026<br>| Months Reserves exceed minimum required - Min 4, actual 6.18<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.69<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859046 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 14:09 | 2026-02-24 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review, large deposits were from the income source. Review re-calculated the income. Audited DTI of 40.69% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/24/2026 <br>Open-Audited DTI of 50.13% exceeds Guideline DTI of 50% Can only give borrower percentage of ownership on bank statement deposits. Gave 80%. - Due Diligence Vendor-02/18/2026 |  | Resolved-Upon further review, large deposits were from the income source. Review re-calculated the income. Audited DTI of 40.69% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/24/2026<br>| Months Reserves exceed minimum required - Min 4, actual 6.18<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.69<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859057 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859084 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 10:00 | 2026-03-19 15:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing asset documentation. - Due Diligence Vendor-02/14/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Total Qualified Assets Post-Close amount is '$-146979.88'. Assets are Insufficient. Missing proof of Gift Funds. Provide sufficient assets to support total closing costs required.<br> - Due Diligence Vendor-02/11/2026 |  | Resolved-Received missing asset documentation. - Due Diligence Vendor-02/14/2026<br>| Credit history exceeds minimum required - Credit history exceeds minimum required bt 0x30>than 99 months.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $18,052.66; minimum required NONE |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859084 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 10:05 | 2026-02-14 16:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Gift Funds - Audited Reserves of 5.12 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-02/14/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient assets to support total reserves required. - Due Diligence Vendor-02/11/2026 |  | Resolved-Received Gift Funds - Audited Reserves of 5.12 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-02/14/2026<br>| Credit history exceeds minimum required - Credit history exceeds minimum required bt 0x30>than 99 months.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $18,052.66; minimum required NONE |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859084 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 09:57 | 2026-02-14 16:35 | 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 $0. - Due Diligence Vendor-02/14/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-146979.88'. Assets are Insufficient. Missing proof of Gift Funds. Provide sufficient assets to support total closing costs required. - Due Diligence Vendor-02/11/2026 |  | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-02/14/2026<br>| Credit history exceeds minimum required - Credit history exceeds minimum required bt 0x30>than 99 months.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $18,052.66; minimum required NONE |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859084 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 09:15 | 2026-02-12 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Condo Warranty Form in file - Pg 132 - therefore Condo Questionnaire is not required - Due Diligence Vendor-02/12/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. The HOA Questionnaire is required. (additional findings may apply). - Due Diligence Vendor-02/11/2026 |  | Resolved-Condo Warranty Form in file - Pg 132 - therefore Condo Questionnaire is not required - Due Diligence Vendor-02/12/2026<br>| Credit history exceeds minimum required - Credit history exceeds minimum required bt 0x30>than 99 months.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $18,052.66; minimum required NONE |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859085 | xxxxxx C A | Closed | xxxxxx | 2026-01-30 10:37 | 2026-02-03 15:55 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received title receipt of gift funds. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/02/2026 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Evidence of Gift receipt for 60,074.39 is missing, without gift the Borrower is short of funds to close. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/02/2026 | Resolved-Received title receipt of gift funds. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804 Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.6 . Required is 49.99 Borrower has 29.6 |  | 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 |
| 859085 | xxxxxx C A | Closed | xxxxxx | 2026-01-30 09:31 | 2026-02-03 15:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrected 1003 reflecting unmarried. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. The DOT is correct. Please review the revised post 1003. - Seller-02/03/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Per the 1003 the Borrower is married and per the DOT-Borrower - xxxxxx, AN UNMARRIED WOMAN AND xxxxxx, AN UNMARRIED MAN AS JOINT TENANTS .... Need to be corrected to match 1003 or 1003 to be corrected to match DOT. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. The DOT is correct. Please review the revised post 1003. - Seller-02/03/2026 | Resolved-Received corrected 1003 reflecting unmarried. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804 Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.6 . Required is 49.99 Borrower has 29.6 |  | 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 |
| 859087 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859090 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 11:53 | 2026-03-10 08:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Investor waiver applied to non-material finding with comp factors. - Due Diligence Vendor-03/10/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Exception request for the borrower has only 5 months of housing history. Prior to July 2025, borrower was living with no primary housing expenses. Exception approval in loan file. - Due Diligence Vendor-03/06/2026 |  | Waived-Investor waiver applied to non-material finding with comp factors. - Due Diligence Vendor-03/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 | Residual income more than 2.5x the amount required by guidelines, Self Employed Self-employed for > 10 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 859104 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 15:43 | 2026-03-04 10:53 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 6 Months Income Verified is Missing | Resolved-Received proof of HOI for REO. - Due Diligence Vendor-03/04/2026 <br> Counter-Please provide the Insurance Policy for the xxxxxx property. - Due Diligence Vendor-03/02/2026 <br> Counter-Review has reconfirmed, HOI for xxxxxx property was not received. Please provide. - Due Diligence Vendor-02/27/2026 <br> Open-Income 6 Months Income Verified is Missing Need HOI insurance in force for xxxxxx property as monthly premium must be added to DTI. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received proof of HOI for REO. - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 56.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 |  | 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 |
| 859134 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859136 | xxxxxx C A | Closed | xxxxxx | 2026-02-05 08:11 | 2026-02-09 14:50 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Client provide Grant Deed completed at closing. Operating agreement not required. Note and DOT in the name of the borrower. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. I am requesting to CLEAR the condition regarding the xxxxxx Operating Agreement.<br>Please noted a discrepancy between the Vesting (LLC) and the DOT (xxxxxx xxxxxx). However, the property was transferred from the LLC to the individual borrower at closing.<br>Please see the attached Recorded Grant Deed - Seller-02/06/2026 <br> Open-Vested Owner Signature Requirement Not met. Vested Owner is xxxxxx, A xxxxxx Company (Business Entity) _ Operating Agreement Required validating the Applicant ownership percentage/ interest & to validate that the Applicant is the Authorized signer for the Business Entity. Business search shows a different name as the registered agent. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. I am requesting to CLEAR the condition regarding the xxxxxx Operating Agreement.<br>Please noted a discrepancy between the Vesting (LLC) and the DOT (xxxxxx xxxxxx). However, the property was transferred from the LLC to the individual borrower at closing.<br>Please see the attached Recorded Grant Deed - Seller-02/06/2026 | Resolved-Client provide Grant Deed completed at closing. Operating agreement not required. Note and DOT in the name of the borrower. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.39 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859146 | xxxxxx B A | Closed | xxxxxx | 2026-02-17 11:45 | 2026-02-17 13:00 | 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-02/17/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-02/17/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 44.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 673 |  | 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 |
| 859153 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859199 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859201 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-23 17:53 | 2026-02-06 14:32 | Waived | 2 - Non-Material A B | Credit | Debt | Credit Report is greater than 90 days from closing | Waived-Originator provided a waiver for credit report dated over 90 days less than 120 , applied to non material finding with comp factors - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. See attached exception - Seller-02/04/2026 <br>Open-Credit Report is greater than 90 days from closing. 118 days old - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. See attached exception - Seller-02/04/2026 | Waived-Originator provided a waiver for credit report dated over 90 days less than 120 , applied to non material finding with comp factors - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 44<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 | 744 Fico | 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 |
| 859201 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-23 18:17 | 2026-02-05 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Received Disclaimer Deed from Spouse. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. See attached Disclaimer Deed that recorded on xxxxxx - Seller-02/04/2026 <br> Open-The required spousal consent to pledge form is missing. Provide spousal consent to pledge form. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. See attached Disclaimer Deed that recorded on xxxxxx - Seller-02/04/2026 | Resolved-Received Disclaimer Deed from Spouse. - Due Diligence Vendor-02/05/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 44<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859201 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-23 13:07 | 2026-02-05 07:55 | 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-02/05/2026 <br> Ready for Review-Document Uploaded. Based on my review of the xxxxxx, starting at the Revised Closing Disclosure dated xxxxxx, it appears that they started to incorrectly reflect the Property Tax Reserve as Mortgage Insurance Reserve. I believe this is throwing off the financed charge calculation. - Seller-02/04/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $380,762.73. The disclosed finance charge of $380,510.14 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 $380,762.73. The disclosed finance charge of $380,510.14 is not considered accurate because it is understated by more than $100 at $252.59. Provide evidence of refund or principal reduction of $252.59, 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.<br> - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Based on my review of the xxxxxx, starting at the Revised Closing Disclosure dated xxxxxx, it appears that they started to incorrectly reflect the Property Tax Reserve as Mortgage Insurance Reserve. I believe this is throwing off the financed charge calculation. - Seller-02/04/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/05/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 44<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859201 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-23 13:07 | 2026-02-05 07:55 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Based on my review of the xxxxxx, starting at the Revised Closing Disclosure dated xxxxxx, it appears that they started to incorrectly reflect the Property Tax Reserve as Mortgage Insurance Reserve. I believe this is throwing off the financed charge calculation. Can you please push back on this and ask them to correct this? I am hoping that once this correction is made, it will resolve both of these findings. - Seller-02/04/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $691,518.23. The disclosed total of payments of $691,265.64 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. Total of payments is understated by $252.59 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $252.59 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery.<br> - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Based on my review of the xxxxxx, starting at the Revised Closing Disclosure dated xxxxxx, it appears that they started to incorrectly reflect the Property Tax Reserve as Mortgage Insurance Reserve. I believe this is throwing off the financed charge calculation. Can you please push back on this and ask them to correct this? I am hoping that once this correction is made, it will resolve both of these findings. - Seller-02/04/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/05/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 44<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859201 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-23 18:27 | 2026-02-03 14:45 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Received xxxxxx Assumption Docs. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-02/02/2026 <br> Open-Missing lease agreement for xxxxxx xxxxxx showing balance and payment. Will need to add payment into DTI. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. See attached - Seller-02/02/2026 | Resolved-Received xxxxxx Assumption Docs. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 44<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859201 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-26 13:35 | 2026-02-03 14:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received xxxxxx Assumption Docs. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-02/02/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing lease agreement for xxxxxx xxxxxx showing balance and payment. Will need to add payment into DTI. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. See attached - Seller-02/02/2026 | Resolved-Received xxxxxx Assumption Docs. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 44<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859201 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-23 17:38 | 2026-01-28 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE of employment. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Attached is the VOE dated xxxxxx - Seller-01/26/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower is a xxxxxx and used 24 month bank statements to qualify making them a self employed worker. Missing proof of business existence dated at least 10 days prior to closing.<br> - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Attached is the VOE dated xxxxxx - Seller-01/26/2026 | Resolved-Received VVOE of employment. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 44<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859201 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-23 17:15 | 2026-01-28 15:42 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received corrected HOI policy. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. See attached insurance - Seller-01/28/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Funded xxxxxx - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. See attached insurance - Seller-01/28/2026 | Resolved-Received corrected HOI policy. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 44<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859202 | xxxxxx C A | Closed | xxxxxx | 2026-01-23 09:54 | 2026-01-29 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received clearance. - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. Please see attached Fraud Report all items cleared - Seller-01/27/2026 <br>Open-Fraud Report Shows Uncleared Alerts Please clear all Alerts on Fraud report. Only 2 of 6 are showing as cleared. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Please see attached Fraud Report all items cleared - Seller-01/27/2026 | Resolved-Received clearance. - Due Diligence Vendor-01/29/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.382 Required is 0.75 Borrower has 1.382<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 619 Borrower has 705 Required is 619 Borrower has 705 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859203 | xxxxxx C A | Closed | xxxxxx | 2026-01-23 11:10 | 2026-01-28 15:58 | 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-01/28/2026 <br>Ready for Review-Document Uploaded. See the last page of the DOT - Seller-01/26/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A provided, however it is blank. Missing legal description. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. See the last page of the DOT - Seller-01/26/2026 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 765 Required is 700 Borrower has 765<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.045 Required is 0.75 Borrower has 1.045 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859207 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859208 | xxxxxx D A | Closed | xxxxxx | 2026-01-26 12:09 | 2026-02-01 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax calculation. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-Per the Loan Transmittal the Property were calculated: xxxxxx Purchase price x 1.297863% tax rate on the Tax Certificate - Seller-01/29/2026 <br> Counter-Received subject tax cert. Review is unable to confirm re taxes considered at closing. Provide clarification. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. See attached Tax Certificate - Seller-01/26/2026 <br> Open-Missing Evidence of Property Tax Missing lender calculation for qualifying taxes. - Due Diligence Vendor-01/26/2026 | Ready for Review-Per the Loan Transmittal the Property were calculated: xxxxxx Purchase price x 1.297863% tax rate on the Tax Certificate - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. See attached Tax Certificate - Seller-01/26/2026 | Resolved-Received tax calculation. - Due Diligence Vendor-02/01/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.047 Required is 0.75 Borrower has 1.047<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 814 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859208 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 14:29 | 2026-01-28 15:52 | 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-01/28/2026 <br>Ready for Review-Document Uploaded. Please see attached recorded DOT PAGE 26 - Seller-01/26/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Schedule A in file, however it is blank. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Please see attached recorded DOT PAGE 26 - Seller-01/26/2026 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/28/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.047 Required is 0.75 Borrower has 1.047<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 814 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859209 | xxxxxx D A | Closed | xxxxxx | 2026-01-26 15:43 | 2026-03-23 07:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received condo rider noted within security instrument - Due Diligence Vendor-03/23/2026 <br> Open-Condo Rider is Missing Provide Condo Rider - Due Diligence Vendor-03/23/2026 |  | Resolved-Received condo rider noted within security instrument - Due Diligence Vendor-03/23/2026<br>| Additional assets not used to qualify - Borrower has additional assets in file.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 781 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859209 | xxxxxx D A | Closed | xxxxxx | 2026-01-26 15:55 | 2026-01-29 15:57 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Received HO6 reflecting Unit Number. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. See attached Insurance with the unit # - Seller-01/28/2026 <br> Open-Subject Property on Note does not match Insured Property Address Please add unit xxxxxx to HO6 policy. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. See attached Insurance with the unit # - Seller-01/28/2026 | Resolved-Received HO6 reflecting Unit Number. - Due Diligence Vendor-01/29/2026<br>| Additional assets not used to qualify - Borrower has additional assets in file.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 781 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859209 | xxxxxx D A | Closed | xxxxxx | 2026-01-26 16:20 | 2026-01-28 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the guides required verification on loans reporting on credit and the subject property only, on business purpose loans. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-We do not require Verification of Rent for Business Purpose Loans - Seller-01/27/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 month Verification of Rent form. - Due Diligence Vendor-01/26/2026 | Ready for Review-We do not require Verification of Rent for Business Purpose Loans - Seller-01/27/2026 | Resolved-After further review, the guides required verification on loans reporting on credit and the subject property only, on business purpose loans. - Due Diligence Vendor-01/28/2026<br>| Additional assets not used to qualify - Borrower has additional assets in file.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 781 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859210 | xxxxxx C A | Closed | xxxxxx | 2026-01-26 14:05 | 2026-02-01 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required primary housing history documentation. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-This is a Business Purpose Investment Property we do not required 12 months mortgage rating if it is not reported the credit report<br> xxxxxx Mortgage account is paid and closed and the is not an open mortgage on the credit report dated xxxxxx<br> - Seller-01/29/2026 <br> Counter-Credit report reflect recent mortgage paid xxxxxx. Missing supporting documentation of current opened mortgage with xxxxxx to determine a 12 month payment history on primary residence. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Business Purpose Loan it is not required - Seller-01/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide supporting documentation of current opened mortgage with xxxxxx to determine a 12 month payment history on primary residence. - Due Diligence Vendor-01/26/2026 | Ready for Review-This is a Business Purpose Investment Property we do not required 12 months mortgage rating if it is not reported the credit report<br> xxxxxx Mortgage account is paid and closed and the is not an open mortgage on the credit report dated 12/18/2025<br> - Seller-01/29/2026 <br> Ready for Review-Business Purpose Loan it is not required - Seller-01/27/2026 | Resolved-Upon further review, the loan file contained all required primary housing history documentation. - Due Diligence Vendor-02/01/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 760 Borrower has 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859210 | xxxxxx C A | Closed | xxxxxx | 2026-01-22 13:29 | 2026-01-28 14:17 | 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-01/28/2026 <br>Ready for Review-Document Uploaded. - Seller-01/27/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the attached property legal description. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 760 Borrower has 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859211 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859212 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 07:45 | 2026-03-23 07:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Upon further review, lease and rent verbiage contained in mortgage, 1-4 rider not required. - Due Diligence Vendor-03/23/2026 <br>Open-1-4 Family Rider is Missing Provide 1-4 family rider. - Due Diligence Vendor-03/23/2026 |  | Resolved-Upon further review, lease and rent verbiage contained in mortgage, 1-4 rider not required. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 and qualifying FICO 680<br>CLTV is less than guidelines maximum - Max LTV 60% and qualifying LTV 58.93% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859213 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 16:58 | 2026-02-06 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received fraud report. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. The UDM is part of the xxxxxx report please review and clear - Seller-02/04/2026 <br>Counter-No document provided. UDM not located in initial file. Please provide. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Please see Fraud report UDM PAGE 41 - Seller-02/03/2026 <br>Counter-Gap credit report is required on CPN within 10 days or after closing. Original finding remains. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-We do not require Gap Credit report per guidelines - Seller-01/30/2026 <br>Open-Borrower 1 Gap Credit Report is Missing UDM not found in file - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. The UDM is part of the xxxxxx report please review and clear - Seller-02/04/2026 <br> Ready for Review-Please see Fraud report UDM PAGE 41 - Seller-02/03/2026 <br> Ready for Review-We do not require Gap Credit report per guidelines - Seller-01/30/2026 | Resolved-Received fraud report. - Due Diligence Vendor-02/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 68.78 Required is 80 Borrower has 68.78<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.72 Required is 50 Borrower has 28.72<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 666 Required is 600 Borrower has 666 |  | 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 |
| 859213 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 16:09 | 2026-02-02 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received confirmation delinquent re taxes were paid and reflect on section E #4 of final CD - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-The subject property is not current on taxes. Per title taxes were delinquent for 2024 and 2025 and no proof paid found in file. Not paid at close per the CD. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 | Resolved-Received confirmation delinquent re taxes were paid and reflect on section E #4 of final CD - Due Diligence Vendor-02/02/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 68.78 Required is 80 Borrower has 68.78<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.72 Required is 50 Borrower has 28.72<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 666 Required is 600 Borrower has 666 |  | 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 |
| 859214 | xxxxxx C A | Closed | xxxxxx | 2026-01-26 13:44 | 2026-02-04 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved----Received lock confirmation. Finding Resolved. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-The lock was updated on xxxxxx. The COC CD went out on xxxxxx. This is exactly 3 business days from the lock update (xxxxxx (holiday) do not count). The COC CD and final CD were disclosed the same day. We disclosed the COC CD to the borrower for the lock update and then we sent out the closing doc package for signature. No new 3 days waiting period was required since the APR did not change more than .125%. The COC confirms change in pricing due to the lock being updated to reflect 0 months of reserves. - Seller-02/03/2026 <br> Counter-----Received COC from xxxxxx and duplicate copy of Final CD xxxxxx. COC is not within 3 days of CD and does not address the decrease in lender credits on the final CD. Finding Remains. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. The pricing/lock was updated on xxxxxx which resulted in a reduction of the lender credit. We re-disclosed for the COC on xxxxxx. Please find the COC CD and Lock attached. - Seller-01/29/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($439.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,634.00). 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 $2,634.00 to $439.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,195.00, 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.<br> - Due Diligence Vendor-01/26/2026 | Ready for Review-The lock was updated on xxxxxx. The COC CD went out on xxxxxx. This is exactly 3 business days from the lock update (xxxxxx (holiday) do not count). The COC CD and final CD were disclosed the same day. We disclosed the COC CD to the borrower for the lock update and then we sent out the closing doc package for signature. No new 3 days waiting period was required since the APR did not change more than .125%. The COC confirms change in pricing due to the lock being updated to reflect 0 months of reserves. - Seller-02/03/2026 <br> Ready for Review-Document Uploaded. The pricing/lock was updated on xxxxxx which resulted in a reduction of the lender credit. We re-disclosed for the COC on xxxxxx. Please find the COC CD and Lock attached. - Seller-01/29/2026 | Resolved----Received lock confirmation. Finding Resolved. - Due Diligence Vendor-02/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.31 Required is 50 Borrower has 43.31<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 758 Required is 700 Borrower has 758 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859214 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 16:15 | 2026-02-02 10:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received lock confirming no reserves required as priced without. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Upload lock dated xxxxxx states No Cash Reserves - Seller-01/29/2026 <br> Open-Audited Reserves of 2.11 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Upload lock dated xxxxxx states No Cash Reserves - Seller-01/29/2026 | Resolved-Received lock confirming no reserves required as priced without. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.31 Required is 50 Borrower has 43.31<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 758 Required is 700 Borrower has 758 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859215 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859216 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 11:44 | 2026-02-03 07:50 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see the attached COC the discount of -0.005 removed the Lender Credit - Seller-01/30/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($981.00). 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 $981.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $981, 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. Proof of signed CD dated xxxxxx would clear this finding. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Please see the attached COC the discount of -0.005 removed the Lender Credit - Seller-01/30/2026 | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757 Required is 720 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.39 Required is 50 Borrower has 35.39 |  | 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 |
| 859216 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 11:44 | 2026-02-03 07:50 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received proof of borrower receipt. Finding Resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see page 7 for consent - Seller-01/30/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxxxxx 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. -------CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Please see page 7 for consent - Seller-01/30/2026 | Resolved-Received proof of borrower receipt. Finding Resolved. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757 Required is 720 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.39 Required is 50 Borrower has 35.39 |  | 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 |
| 859216 | xxxxxx C A | Closed | xxxxxx | 2026-01-29 15:46 | 2026-02-02 13:39 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Per guidelines we do not require LOX for credit inquires - Seller-01/30/2026 <br>Open-LOX for credit inquiries is missing. not provided - Due Diligence Vendor-01/29/2026 | Ready for Review-Per guidelines we do not require LOX for credit inquires - Seller-01/30/2026<br>| Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 757 Required is 720 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.39 Required is 50 Borrower has 35.39 |  | 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 |
| 859217 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859218 | xxxxxx C B A | Closed | xxxxxx | 2026-01-29 17:49 | 2026-01-30 16:58 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Waived-Waived: Originator Waiver applied to Non-Material Finding with Comp Factors. Exception in file for use of partial funds for an ITIN borrower with no Work Visa (considered foreign national). - Due Diligence Vendor-01/29/2026 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Gift funds are not allowed on non-permanent resident aliens with no work visa (foreign nationals). - Due Diligence Vendor-01/29/2026 |  | Waived-Waived: Originator Waiver applied to Non-Material Finding with Comp Factors. Exception in file for use of partial funds for an ITIN borrower with no Work Visa (considered foreign national). - Due Diligence Vendor-01/29/2026<br>| Credit history exceeds minimum required - 0x30x42 on several consumer debts<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749 | 752 FICO | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 859219 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 10:17 | 2026-02-02 10:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Full appraisal and escrows. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Per guideline we are fine with HMPL loans as long as they are impounded. This loan has impounds - Seller-01/30/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -----Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-01/28/2026 | Ready for Review-Per guideline we are fine with HMPL loans as long as they are impounded. This loan has impounds - Seller-01/30/2026<br>| Resolved-Full appraisal and escrows. - Due Diligence Vendor-02/02/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x12 on time mortgage history from both properties.<br>Long term residence - Borrower has been long time residence on primary for over 14.7 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 |
| 859220 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 14:40 | 2026-02-05 16:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received xxxxxx NMLS report. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. <br> Loan Participant - See NMLS - Cleared by Legal/Compliance department during broker approval<br>Financing - 1) the u/w cleared xxxxxx is the subject property. No derog activity on Credit or on Prelim) xxxxxx over 4 years old. <br> - Seller-02/04/2026 <br> Counter-Received Fraud Report. Missing documentation used to clear high alerts. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Uploaded report - Seller-01/30/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. <br> Loan Participant - See NMLS - Cleared by Legal/Compliance department during broker approval<br>Financing - 1) the u/w cleared xxxxxx is the subject property. No derog activity on Credit or on Prelim) xxxxxx over 4 years old. <br> - Seller-02/04/2026 <br> Ready for Review-Document Uploaded. Uploaded report - Seller-01/30/2026 | Resolved-Received xxxxxx NMLS report. - Due Diligence Vendor-02/05/2026 | Months Reserves exceed minimum required - 9 months reserves from cash out exceed 0 months required per guides.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.008 Required is 0.75 Borrower has 1.008 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859220 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 15:03 | 2026-02-05 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Upon further review, the loan file contained all required documentation. Appraisal company is the name of the appraiser. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-There is only one borrower, and she is a xxxxxx. Need more information about the exclusionary list. - Seller-01/30/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-01/29/2026 | Ready for Review-There is only one borrower, and she is a xxxxxx. Need more information about the exclusionary list. - Seller-01/30/2026 | Resolved-Upon further review, the loan file contained all required documentation. Appraisal company is the name of the appraiser. - Due Diligence Vendor-02/03/2026<br>| Months Reserves exceed minimum required - 9 months reserves from cash out exceed 0 months required per guides.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.008 Required is 0.75 Borrower has 1.008 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859220 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 15:03 | 2026-02-05 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Upon further review, the loan file contained all required documentation. Appraisal company is the name of the appraiser. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Borrower is a xxxxxx it is not required - Seller-01/30/2026 <br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/29/2026 | Ready for Review-Borrower is a xxxxxx it is not required - Seller-01/30/2026 | Resolved-Upon further review, the loan file contained all required documentation. Appraisal company is the name of the appraiser. - Due Diligence Vendor-02/03/2026<br>| Months Reserves exceed minimum required - 9 months reserves from cash out exceed 0 months required per guides.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.008 Required is 0.75 Borrower has 1.008 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859222 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 15:00 | 2026-02-06 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. Upload xxxxxx Repot - Borrower Adjusted score is 1000 Low Risk - Documentation use to clear item was the Credit Report and Property Profile - Seller-02/04/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Upload xxxxxx Repot - Borrower Adjusted score is 1000 Low Risk - Documentation use to clear item was the Credit Report and Property Profile - Seller-02/04/2026 | Resolved-Received Fraud Report. - Due Diligence Vendor-02/06/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 63.37 Required is 70 Borrower has 63.37<br>Long term residence - Borrower has lived at primary for 6 years per 1003. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859223 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859224 | xxxxxx C A | Closed | xxxxxx | 2026-01-30 15:42 | 2026-02-04 14:54 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/04/2026 <br>Ready for Review-We do not require LOX for credit Inquires - Seller-02/02/2026 <br>Open-LOX for credit inquiries is missing. Provide letter of explanation for credit inquiries. - Due Diligence Vendor-01/30/2026 | Ready for Review-We do not require LOX for credit Inquires - Seller-02/02/2026<br>| Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.08 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859224 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 18:25 | 2026-02-04 14:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see copy of the recorded DOT with legal - Seller-02/02/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached property legal description. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Please see copy of the recorded DOT with legal - Seller-02/02/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.08 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859225 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-30 11:14 | 2026-02-03 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided or Not Required. Borrower is xxxxxx with ITIN without a work visa - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. This loan was a re-write due to a post-closing error. We used the lock for the previous loan and reduced the rate by 1/8. - Seller-02/02/2026 <br> Counter-Received corrected 1003. Missing ITIN, copy of work VISA or EAD card. Approval notes xxxxxx. Provide corrected approval and lock to confirm documentation type acceptable. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Please see attached Final URLA - Seller-02/02/2026 <br> Open-Borrower Citizenship Documentation Is Missing Borrower has an ITIN and not a social security number. Missing copy of work VISA or EAD card. Passport does not suffice. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. This loan was a re-write due to a post-closing error. We used the lock for the previous loan and reduced the rate by 1/8. - Seller-02/02/2026 <br> Ready for Review-Document Uploaded. Please see attached Final URLA - Seller-02/02/2026 | Resolved-Borrower Citizenship Documentation Provided or Not Required. Borrower is xxxxxx with ITIN without a work visa - Due Diligence Vendor-02/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 688<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.26 |  | 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 |
| 859225 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-29 18:02 | 2026-02-02 16:38 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Per the guidelines credit inquiries are not required to be addressed. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-We do not require a LOX for credit inquires - Seller-02/02/2026 <br>Open-LOX for credit inquiries is missing. Letter of explanation for credit inquiries is blank. Please provide updated and signed copy. - Due Diligence Vendor-01/29/2026 | Ready for Review-We do not require a LOX for credit inquires - Seller-02/02/2026 | Resolved-Per the guidelines credit inquiries are not required to be addressed. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 688<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.26 |  | 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 |
| 859225 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-28 11:01 | 2026-02-02 15:38 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 688<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.26 |  | 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 |
| 859225 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-29 17:35 | 2026-02-02 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received SOS confirming active. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verification Business is active and in good standing 10 days prior to closing. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 | Resolved-Received SOS confirming active. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 688<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.26 |  | 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 |
| 859226 | xxxxxx C B A | Closed | xxxxxx | 2026-01-30 17:14 | 2026-02-02 16:25 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Confirmation from client, due to a compliance issue on previous purchase a no cost refinance was required. Appraisal was from the original purchase transaction for the borrower, and the appraisal was from the original purchase transaction and the updated sales information was not available. - Due Diligence Vendor-02/02/2026 <br> Open-\*\*\* NEW\*\*\*Subject appraisal has not been updated to reflect most recent sale. Online sources indicate final sale of xxxxxx which would result in the in crease of LTV. Appraisal to be updated to reflect most recent sale. - Due Diligence Vendor-01/30/2026 |  | Resolved-Confirmation from client, due to a compliance issue on previous purchase a no cost refinance was required. Appraisal was from the original purchase transaction for the borrower, and the appraisal was from the original purchase transaction and the updated sales information was not available. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.42<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.69<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 700 |  | 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 |
| 859226 | xxxxxx C B A | Closed | xxxxxx | 2026-01-28 15:01 | 2026-02-02 16:22 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Resolved-Confirmation from client, due to a compliance issue on previous purchase a no cost refinance was required. The listed per the appraisal was from the initial purchase of the subject property by the borrower with a closing date of xxxxxx. - Due Diligence Vendor-02/02/2026 <br> Counter-Exception provided on alternate finding is for use of P&L over 90 days at time of closing. Exception does not acknowledge listed for sale reasons. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Exception was granted to refinance the loan due the error found at post-closing. - Seller-01/29/2026 <br> Open-Loan does not meet guideline requirements for loans listed for sale. Per the appraisal the property was listed for sale on xxxxxx and the property is currently in escrow. xxxxxx printout in the file also supports the property is listed for sale. - Due Diligence Vendor-01/28/2026 | Ready for Review-Exception was granted to refinance the loan due the error found at post-closing. - Seller-01/29/2026 | Resolved-Confirmation from client, due to a compliance issue on previous purchase a no cost refinance was required. The listed per the appraisal was from the initial purchase of the subject property by the borrower with a closing date of xxxxxx. - Due Diligence Vendor-02/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.42<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.69<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 700 |  | 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 |
| 859226 | xxxxxx C B A | Closed | xxxxxx | 2026-01-28 14:49 | 2026-02-02 16:19 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Confirmation from client, due to a compliance issue on previous purchase a no cost refinance was required. Prior to original purchase, the borrower lived rent free which is supported by rent free letter. no mortgage payments were made prior to no cost refinance. - Due Diligence Vendor-02/02/2026 <br> Counter-No document provided. 1003 reflects an alternate address as primary. Loan documents to be corrected. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-We funded a purchase loan for the borrower on xxxxxx. We found an error in the loan after it funded and had to refinance the loan. - Seller-01/29/2026 <br> Open-Subject is a refinance of a primary residence. Rent free letter in the file states the borrower has been rent free at another property with a parent. 1003 supports borrower is living rent free. - Due Diligence Vendor-01/28/2026 | Ready for Review-We funded a purchase loan for the borrower on xxxxxx. We found an error in the loan after it funded and had to refinance the loan. - Seller-01/29/2026 | Resolved-Confirmation from client, due to a compliance issue on previous purchase a no cost refinance was required. Prior to original purchase, the borrower lived rent free which is supported by rent free letter. no mortgage payments were made prior to no cost refinance. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.42<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.69<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 700 |  | 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 |
| 859226 | xxxxxx C B A | Closed | xxxxxx | 2026-01-28 09:28 | 2026-02-02 16:17 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Lender exception applied to non-material finding with comp factors. Confirmation from client, due to a compliance issue on previous purchase a no cost refinance was required. The P&L in the file was from the prior purchase transaction which had a closing date of xxxxxx. - Due Diligence Vendor-02/02/2026 <br> Counter-Received Exception. Exception indicates the value of $xxxxxx and records document property was sold for xxxxxx, which would result in the LTV increasing requiring an additional exception. Finding added to confirm purchase price of recent sale. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. Uploaded Exception - Seller-01/29/2026 <br> Open-Income and Employment Do Not Meet Guidelines P&L covers a period from 9/1/23 to 9/30/25. Closing date is xxxxxx and the application date is xxxxxx. Per the guidelines the P&L must be dated within 30 days of application date and 90 days of closing.<br> - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Uploaded Exception - Seller-01/29/2026 | Waived-Lender exception applied to non-material finding with comp factors. Confirmation from client, due to a compliance issue on previous purchase a no cost refinance was required. The P&L in the file was from the prior purchase transaction which had a closing date of xxxxxx. - Due Diligence Vendor-02/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.42<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.69<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 700 | LTV is 71.69%, max allowed is 80%. FICO ,700, guideline minimum is 640. The DTI is 28.423%, guideline max is 50%. | 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 | Yes | xxxxxx |
| 859226 | xxxxxx C B A | Closed | xxxxxx | 2026-01-28 14:52 | 2026-02-02 16:10 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Confirmation from client, due to a compliance issue on previous purchase a no cost refinance was required. Prior to purchase the borrower was living rent free which was confirmed by the rent free letter in the file. - Due Diligence Vendor-02/02/2026 <br> Counter-Received final settlement statement for acquisition of subject. Value is noted as xxxxxx yet approval reflects value as $940k. Must meet guidelines 3..3.1 - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Counter-No document provided. Missing proof of prior purchase to document terms of sale. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-There is not payment history first payment was not due until 02/01/2026. We had to refinance the loan due to error found at post-closing. - Seller-01/29/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing the payment history for the subject property supporting 0x30x12. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Ready for Review-There is not payment history first payment was not due until 02/01/2026. We had to refinance the loan due to error found at post-closing. - Seller-01/29/2026 | Resolved-Confirmation from client, due to a compliance issue on previous purchase a no cost refinance was required. Prior to purchase the borrower was living rent free which was confirmed by the rent free letter in the file. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.42<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.69<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 700 |  | 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 |
| 859226 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 14:21 | 2026-01-26 14:21 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/26/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.42<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.69<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 700 |  | 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 |
| 859237 | xxxxxx D A B | Closed | xxxxxx | 2026-02-12 06:42 | 2026-02-23 12:54 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Received Lender attestation to no affiliates, finding resolved. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. Affiliated business disclosure provided. - Due Diligence Vendor-02/23/2026 <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-02/12/2026 |  | Resolved-----Received Lender attestation to no affiliates, finding resolved. - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859237 | xxxxxx D A B | Closed | xxxxxx | 2026-02-17 17:07 | 2026-02-23 11:56 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Escrow receipt for gift provided. - Due Diligence Vendor-02/23/2026 <br> Counter-Received memo from lender indicating proof of receipt in loan file. Review of loan file revealed noted gift letter only. Please provide proof of receipt. - Due Diligence Vendor-02/20/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Provide proof $74,500 gift from xxxxxx (Borrowers sister) was received at title. Currently only a gift letter is in file. - Due Diligence Vendor-02/17/2026 |  | Resolved-Escrow receipt for gift provided. - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859237 | xxxxxx D A B | Closed | xxxxxx | 2026-02-17 17:42 | 2026-02-20 10:15 | 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, the loan file contained all required documentation - Due Diligence Vendor-02/20/2026 <br> Open-Brw will be retaining her departure residence- xxxxxx- after closing. Final Loan App reflects HOA Dues of $13.66/mo but verification of this amount was not provided (HOA stmt, printout from HOA portal/online mgmt company, bank stmt showing recurring debit, etc). - Due Diligence Vendor-02/17/2026 |  | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859254 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859264 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 10:37 | 2026-03-05 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received annual HOA billing for primary residence. - Due Diligence Vendor-03/05/2026 <br>Open-There appears to be a $76/mo HOA fee per the 1003 for the primary residence, no documentation regarding this fee found in file. - Due Diligence Vendor-02/26/2026 |  | Resolved-Received annual HOA billing for primary residence. - Due Diligence Vendor-03/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.54<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859264 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 08:59 | 2026-03-04 09:57 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received entity documents for xxxxxx. - Due Diligence Vendor-03/04/2026 <br> Counter-Received entity documentation. Missing LLC Company Borrowing Certificate - Due Diligence Vendor-03/03/2026 <br> Open-The Business Entity Formation Document is incomplete xxxxxx Borrowing certificate to be executed at closing. - Due Diligence Vendor-02/27/2026 |  | Resolved-Received entity documents for xxxxxx. - Due Diligence Vendor-03/04/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.54<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859264 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 09:46 | 2026-03-04 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received entity documents for xxxxxx - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. s/e docs<br> - Buyer-03/03/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing self-employment verification (CPA letter or comparable, or entity formation/documentation) for B2's business listed on the loan application. Additional conditions may apply. - Due Diligence Vendor-02/27/2026 |  | Resolved-Received entity documents for xxxxxx - Due Diligence Vendor-03/04/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.54<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859267 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859272 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859273 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 859281 | xxxxxx C A | Closed | xxxxxx | 2026-02-26 12:52 | 2026-03-23 09:16 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved with Post Close Cd xxxxxx. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($450.00) exceed the comparable charges ($400.00) 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). - Due Diligence Vendor-02/26/2026 |  | Resolved-Resolved with Post Close Cd xxxxxx. - Due Diligence Vendor-03/23/2026 | CLTV is less than guidelines maximum - Required is 90 Borrower has 39.84<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |  | 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 |
| 859316 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859320 | xxxxxx C A | Closed | xxxxxx | 2026-02-05 22:42 | 2026-02-13 11:34 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received delayed financing documentation. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-It's included in the package. - Seller-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Counter-Delayed Financing Documentation was not located in the loan file. Finding remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Please refer to pages 133-197. Delayed Financing documentation is already included in the package. Kincly clear the condition. - Seller-02/09/2026 <br> Open-Subject purchased less than 3 months ago and was a Delayed Financing- provided the Delayed financing documentation:<br> - HUD-1 from original purchase<br> - Document that the purchase funds were from the borrower's own funds, and that there was not<br> any borrowing, gifts or shared funds<br> - Due Diligence Vendor-02/06/2026 | Ready for Review-It's included in the package. - Seller-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Ready for Review-Please refer to pages 133-197. Delayed Financing documentation is already included in the package. Kincly clear the condition. - Seller-02/09/2026 | Resolved-Received delayed financing documentation. - Due Diligence Vendor-02/13/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $106,386.81; minimum required NONE<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 49 Months Required = 12 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 | N/A | N/A | xxxxxx |
| 859609 | xxxxxx C A | Closed | xxxxxx | 2026-02-17 19:04 | 2026-02-25 11:48 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-02/25/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. HOI coverage is xxxxxx - Due Diligence Vendor-02/18/2026 |  | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.5 Required is 50 Borrower has 34.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 789 Required is 680 Borrower has 789<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 71.31 Required is 90 Borrower has 71.31 |  | 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 |
| 859609 | xxxxxx C A | Closed | xxxxxx | 2026-02-17 20:15 | 2026-02-24 11:10 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-02/24/2026 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-02/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.5 Required is 50 Borrower has 34.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 789 Required is 680 Borrower has 789<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 71.31 Required is 90 Borrower has 71.31 |  | 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 |
| 859659 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 13:51 | 2026-03-09 21:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided with high alerts cleared. - Due Diligence Vendor-03/09/2026 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/05/2026 |  | Resolved-Fraud report provided with high alerts cleared. - Due Diligence Vendor-03/09/2026<br>| Months Reserves exceed minimum required - 41.26 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.89 |  | 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 |
| 859659 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 12:32 | 2026-03-09 10:26 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Grant deed provided. - Due Diligence Vendor-03/09/2026 <br> Open-Vested Owner Signature Requirement Not met. Missing legal document from xxxxxx conveying interest to xxxxxx. - Due Diligence Vendor-03/04/2026 |  | Resolved-Grant deed provided. - Due Diligence Vendor-03/09/2026<br>| Months Reserves exceed minimum required - 41.26 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.89 |  | 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 |
| 859679 | xxxxxx B A | Closed | xxxxxx | 2026-03-11 14:03 | 2026-03-12 17:14 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.815% is within allowable threshold of APOR of 6.1% + 3.75% or 9.85%. - Due Diligence Vendor-03/12/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.815% is within allowable threshold of APOR of 6.1% + 3.75% or 9.85%. - Due Diligence Vendor-03/11/2026 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.815% is within allowable threshold of APOR of 6.1% + 3.75% or 9.85%. - Due Diligence Vendor-03/12/2026 | Months Reserves exceed minimum required - 0 months required - have 58.55 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768 |  | 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 |
| 859680 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 12:55 | 2026-02-24 12:30 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, LOE is not required. - Due Diligence Vendor-02/24/2026 <br>Open-LOX for credit inquiries is missing. LOX for credit inquiries is required. - Due Diligence Vendor-02/18/2026 |  | Resolved-Upon further review, LOE is not required. - Due Diligence Vendor-02/24/2026<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6,252.25; minimum required NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859704 | xxxxxx C B A | Closed | xxxxxx | 2026-02-06 13:11 | 2026-02-19 13:20 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-After further review, the assets are sufficient. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/17/2026 <br> Counter-Finding remains. PCCD reflect $25,000 gift and a deposit of xxxxxx, provide document to support funds given. This will clear up reserves requirement - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-53601.51'. Assets are Insufficient. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/17/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-After further review, the assets are sufficient. - Due Diligence Vendor-02/19/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 1.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859704 | xxxxxx C B A | Closed | xxxxxx | 2026-02-06 13:21 | 2026-02-18 08:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client provided Title receipt of xxxxxx from borrower. $25,000 is not gift and not sourced - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Please note that the $25,000 mentioned is not a personal gift, but an Agent Credit from xxxxxx for closing costs, as disclosed on the CD. Since this is an interested party contribution (Agent Credit) and not a gift from an individual, a gift letter is not applicable. - Seller-02/17/2026 <br> Counter-Finding remains. PCCD reflect $25,000 gift and a deposit of xxxxxx, provide document to support funds given. This will clear up reserves requirement - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-02/06/2026 | Ready for Review-Please note that the $25,000 mentioned is not a personal gift, but an Agent Credit from xxxxxx for closing costs, as disclosed on the CD. Since this is an interested party contribution (Agent Credit) and not a gift from an individual, a gift letter is not applicable. - Seller-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 | Resolved-Client provided Title receipt of $2055585.01 from borrower. $25,000 is not gift and not sourced - Due Diligence Vendor-02/18/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 1.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859704 | xxxxxx C B A | Closed | xxxxxx | 2026-02-06 12:40 | 2026-02-12 09:24 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Client provided business search for borrower - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-Income and Employment Do Not Meet Guidelines Business phone number must be verifiable via Google Search, 411.com or internet - missing documentation - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026 | Resolved-Client provided business search for borrower - Due Diligence Vendor-02/12/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 1.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859704 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 14:29 | 2026-02-04 14:29 | 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-02/04/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/04/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 1.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 859705 | xxxxxx D A | Closed | xxxxxx | 2026-02-05 18:12 | 2026-02-12 07:26 | 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-02/12/2026 <br>Ready for Review-Document Uploaded. Uploaded. xxxxxx Credit Report. - Seller-02/10/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report not seen in file. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. Uploaded. xxxxxx Credit Report. - Seller-02/10/2026 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.02 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859705 | xxxxxx D A | Closed | xxxxxx | 2026-02-05 22:42 | 2026-02-12 07:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Client provided OFAC and Sam.gov - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Uploaded. GSA/LDP and OFAC Results for spouse. - Seller-02/11/2026 <br> Open-Third Party Fraud Report Partially Provided Non-borrowing spouse added to title was not checked with Exclusionary Lists and OFAC. Additional conditions may apply, pending review. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. Uploaded. GSA/LDP and OFAC Results for spouse. - Seller-02/11/2026 | Resolved-Client provided OFAC and Sam.gov - Due Diligence Vendor-02/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.02 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859705 | xxxxxx D A | Closed | xxxxxx | 2026-02-05 18:29 | 2026-02-12 07:25 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Client provided fully executed combined CD - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. Uploaded. Signed Final Seller CD/HUD. - Seller-02/10/2026 <br>Open-The Final SELLER CD/HUD is missing. The CD in file is a combined closing statement, however, the seller did not sign the CD. It should be noted that a separate Seller's CD was not in the file. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. Uploaded. Signed Final Seller CD/HUD. - Seller-02/10/2026<br>| Resolved-Client provided fully executed combined CD - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.02 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859767 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 859768 | xxxxxx C A | Closed | xxxxxx | 2026-02-06 12:39 | 2026-03-09 16:39 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-24 month chain of title is listed on the property profile. There is no seasoning requirement on a rate and term.<br>- Due Diligence Vendor-03/09/2026 <br> Counter-Received LWD dated xxxxxx with previous Derivation noted as xxxxxx which would be only 17 months from note date. Finding remains. - Due Diligence Vendor-02/20/2026 <br> Counter-Quitclaim Deed provided dated xxxxxx. Please provide a full 24 months payment history. - Due Diligence Vendor-02/14/2026 <br> Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title - Due Diligence Vendor-02/06/2026 |  | Resolved-24 month chain of title is listed on the property profile. There is no seasoning requirement on a rate and term.<br>- Due Diligence Vendor-03/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6<br>Qualifying FICO score is at least 20 points above minimum for program - <br>LTV is less than guideline maximum - |  | 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 |
| 859769 | xxxxxx C A | Closed | xxxxxx | 2026-02-09 11:30 | 2026-02-12 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller settlement statement - Due Diligence Vendor-02/12/2026 <br>Open-The Final SELLER CD/HUD is missing. Missing - Due Diligence Vendor-02/09/2026 |  | Resolved-Received final seller settlement statement - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Borrower has over required GL Fico Required is 660 Borrower has 728<br>Qualifying DTI below maximum allowed - Borrower has lower DTI than required guidelines Required is 50 Borrower has 39.39 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859769 | xxxxxx C A | Closed | xxxxxx | 2026-02-05 14:41 | 2026-02-12 07:27 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-----Received signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-02/12/2026 <br>Open------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-02/05/2026 |  | Resolved-----Received signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Borrower has over required GL Fico Required is 660 Borrower has 728<br>Qualifying DTI below maximum allowed - Borrower has lower DTI than required guidelines Required is 50 Borrower has 39.39 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859770 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 10:12 | 2026-02-25 12:22 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided Note for xxxxxx, borrower is not obligated on Note, history not required - Due Diligence Vendor-02/25/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Need 12 month housing history for REO xxxxxx or evidence that the property is owned free & clear. No liens reflected on 1003; however, property detail report shows a lien in the amount of xxxxxx. Additional findings may apply. - Due Diligence Vendor-02/20/2026 |  | Resolved-Client provided Note for xxxxxx, borrower is not obligated on Note, history not required - Due Diligence Vendor-02/25/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.9 Required is 50 Borrower has 27.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714 Required is 660 Borrower has 714 |  | 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 |
| 859770 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 10:25 | 2026-02-25 12:15 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received PITIA. - Due Diligence Vendor-02/25/2026 <br> Counter-Pending housing history for xxxxxx and HOA. Received Mortgage payment reflecting PITI on alternate condition. - Due Diligence Vendor-02/24/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need 12 month housing history for REO xxxxxx or evidence that the property is owned free & clear. No liens reflected on 1003; however, property detail report shows a lien in the amount of xxxxxx. Need documentation of HOI and HOA fees on REO xxxxxx. Additional findings may apply. - Due Diligence Vendor-02/20/2026 |  | Resolved-Received PITIA. - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.9 Required is 50 Borrower has 27.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714 Required is 660 Borrower has 714 |  | 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 |
| 859770 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 10:14 | 2026-02-25 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received missing documentation. - Due Diligence Vendor-02/25/2026 <br> Counter-Received Mortgage statement for xxxxxx reflecting PITI $5698.30. HOA nor rental income noted on 1003 located in file. 1003 only reflected a monthly payment of $1500. 1003 to be corrected. - Due Diligence Vendor-02/24/2026 <br> Open-Need documentation of HOI and HOA fees on REO xxxxxx. Additional findings may apply. - Due Diligence Vendor-02/20/2026 |  | Resolved-Received missing documentation. - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.9 Required is 50 Borrower has 27.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714 Required is 660 Borrower has 714 |  | 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 |
| 859770 | xxxxxx D A | Closed | xxxxxx | 2026-02-13 18:17 | 2026-02-24 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received I-551 front and back. - Due Diligence Vendor-02/24/2026 <br>Open-Borrower Citizenship Documentation Is Missing -----Missing Citizenship Documentation - Due Diligence Vendor-02/13/2026 |  | Resolved-Received I-551 front and back. - Due Diligence Vendor-02/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.9 Required is 50 Borrower has 27.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714 Required is 660 Borrower has 714 |  | 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 |
| 859773 | 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 |  |  |  |
| 859774 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 18:14 | 2026-02-25 11:41 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client provided updated Fraud report and OFAC, clear - Due Diligence Vendor-02/25/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists non borrowing spouse that is on title not checked with exclusionary lists. - Due Diligence Vendor-02/18/2026 |  | Resolved-Client provided updated Fraud report and OFAC, clear - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 |  | 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 |
| 859781 | xxxxxx C B A | Closed | xxxxxx | 2026-02-11 12:05 | 2026-02-20 07:22 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The finding has been waived. - Due Diligence Vendor-02/20/2026 <br>Counter-Pending reserves findings - Due Diligence Vendor-02/17/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) . Provide sufficient asset to support total reserves required. - Due Diligence Vendor-02/11/2026 |  | Resolved-The finding has been waived. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - DTI is 41.88% and max allowed is 50% Required is 50 Borrower has 41.88<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum allowed is 700. Required is 700 Borrower has 760 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859781 | xxxxxx C B A | Closed | xxxxxx | 2026-02-11 12:34 | 2026-02-19 11:32 | 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. Exception to use 4 month housing history. - Due Diligence Vendor-02/19/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Per guides 8.4, due to loan is a Non-Arm's Length transaction with a Gift Of Equity, a minimum of a 12 month history on the existing mortgage with a 0x30x12 is required . Credit Supplement provided from borrower's mother only reflects 4 months. - Due Diligence Vendor-02/13/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to use 4 month housing history. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below maximum allowed - DTI is 41.88% and max allowed is 50% Required is 50 Borrower has 41.88<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum allowed is 700. Required is 700 Borrower has 760 | $9,975.19 in residual income<br> 41.88% DTI, max 50%<br> 760 fico, min 700 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 859781 | xxxxxx C B A | Closed | xxxxxx | 2026-02-11 12:22 | 2026-02-19 11:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. Exception for reserves shortage of 1.42 months. - Due Diligence Vendor-02/19/2026 <br> Counter-Borrower is short 2.58 months reserves. Subtracting the cash received at closing of xxxxxx and subtracting the closing funds of xxxxxx, the borrower had only $16,961.31 left. - Due Diligence Vendor-02/18/2026 <br> Counter-Received response. Borrower CD show Seller credit of $11,063.22 and Seller CD shows Seller credit of $10,305.01. Review of loan documents did not disclose addendum/supplement for seller credit. - Due Diligence Vendor-02/17/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient asset to support total reserves required. - Due Diligence Vendor-02/11/2026 |  | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. Exception for reserves shortage of 1.42 months. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below maximum allowed - DTI is 41.88% and max allowed is 50% Required is 50 Borrower has 41.88<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum allowed is 700. Required is 700 Borrower has 760 | $9,975.19 in residual income<br> 41.88% DTI, max 50%<br> 760 fico, min 700 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 859781 | xxxxxx C B A | Closed | xxxxxx | 2026-02-11 11:29 | 2026-02-19 11:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Issue | Waived-Client waiver applied to non-material finding with compensating factors. Exception for COS addendum listing seller concession. - Due Diligence Vendor-02/19/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing Purchase Contract Supplement reflecting seller credit in the amount of $11,063.22. - Due Diligence Vendor-02/11/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for COS addendum listing seller concession. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below maximum allowed - DTI is 41.88% and max allowed is 50% Required is 50 Borrower has 41.88<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum allowed is 700. Required is 700 Borrower has 760 | $9,975.19 in residual income<br> 41.88% DTI, max 50%<br> 760 fico, min 700 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 859781 | xxxxxx C B A | Closed | xxxxxx | 2026-02-11 12:04 | 2026-02-17 13:23 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-02/17/2026 <br>Open-The Final SELLER CD/HUD is missing. The Seller CD is required. - Due Diligence Vendor-02/11/2026 |  | Resolved-Received Seller CD. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - DTI is 41.88% and max allowed is 50% Required is 50 Borrower has 41.88<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum allowed is 700. Required is 700 Borrower has 760 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859785 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859786 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 859788 | xxxxxx D A | Closed | xxxxxx | 2026-02-19 09:08 | 2026-02-27 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-xxxxxx verification provided. - Due Diligence Vendor-02/27/2026 <br> Open-Borrower 1 CPA Letter Missing CPA license not provided - Due Diligence Vendor-02/19/2026 |  | Resolved-xxxxxx verification provided. - Due Diligence Vendor-02/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.72 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859789 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 859791 | xxxxxx C B A | Closed | xxxxxx | 2026-02-23 08:21 | 2026-03-06 06:58 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-xxxxxx lease agreement and xxxxxx assignment provided. - Due Diligence Vendor-03/06/2026 <br> Counter-Document Uploaded. - Due Diligence Vendor-03/06/2026 <br> Counter-Received Sellers xxxxxx Lease. Missing transfer confirmation to borrower to confirm no changes to lease terms. - Due Diligence Vendor-03/04/2026 <br> Counter-Document provided indicates seller payment amount but does not indicate if it will be same for borrower, also does not give terms of the xxxxxx agreement. - Due Diligence Vendor-02/25/2026 <br> Open-xxxxxx xxxxxx installment payment of $279.65 included in monthly liabilities; however, no documentation in file to support payment amount or terms of the xxxxxx agreement. - Due Diligence Vendor-02/23/2026 |  | Resolved-xxxxxx lease agreement and xxxxxx assignment provided. - Due Diligence Vendor-03/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.09<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859791 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 12:56 | 2026-02-19 07:18 | 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-02/18/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-02/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.09<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 859796 | 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 |  |  |  |
| 859826 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859828 | xxxxxx D A | Closed | xxxxxx | 2026-02-17 14:22 | 2026-02-25 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HUD for sale of primary provided. Confirmation of HOA for xxxxxx and proof xxxxxx is land provided. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. xxxxxx settlement statement already provided attached. We do not have xxxxxx, rather xxxxxx, HOA in file and attached again, quarterly $1,100.00 x 4 = $4,400.00 / 4 = Monthly $366.66 on 1003 already. Property address xxxxxx purchase free and clear, see property profile, purchased xxxxxx. - Seller-02/24/2026 <br> Counter-Settlement statement for the sale of xxxxxx property. Please provide the HOA and Insurance for xxxxxx and Free and Clear documentation for xxxxxx. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Property xxxxxx was sold see settlement statement. - Seller-02/20/2026 <br> Open-HOA for property xxxxxx not found. HOA and Ins not found for xxxxxx. HOA, Insurance, and F&C not found for xxxxxx. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. xxxxxx settlement statement already provided attached. We do not have xxxxxx, rather xxxxxx, HOA in file and attached again, quarterly $1,100.00 x 4 = $4,400.00 / 4 = Monthly $366.66 on 1003 already. Property address xxxxxx purchase free and clear, see property profile, purchased xxxxxx. - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. Property xxxxxx was sold see settlement statement. - Seller-02/20/2026 | Resolved-HUD for sale of primary provided. Confirmation of HOA for xxxxxx and proof xxxxxx is land provided. - Due Diligence Vendor-02/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - 753 fico, min 660<br>LTV is less than guideline maximum - 70% LTV, max 85%<br>Qualifying DTI below maximum allowed - 11.44% DTI, max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859828 | xxxxxx D A | Closed | xxxxxx | 2026-02-19 21:39 | 2026-02-25 09:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. Audited Reserves of 20.72 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Borrower sold xxxxxx xxxxxx, xxxxxx, funds from sale to Borrower xxxxxx, wired to xxxxxx xxxxxx, xxxxxx was wired to xxxxxx to complete subject transaction. Funds remaining $494,122.20 used as liquid reserves. Please see attached: <br>1. Proof of sale.<br> 2. xxxxxx January statement. <br> 3. xxxxxx activity print out as of 2/11/2026.<br> - Seller-02/20/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Borrower sold xxxxxx xxxxxx, xxxxxx, funds from sale to Borrower xxxxxx, wired to xxxxxx xxxxxx, xxxxxx was wired to xxxxxx to complete subject transaction. Funds remaining $494,122.20 used as liquid reserves. Please see attached: <br>1. Proof of sale.<br> 2. xxxxxx January statement. <br> 3. xxxxxx activity print out as of 2/11/2026.<br> - Seller-02/20/2026 | Resolved-Received additional assets. Audited Reserves of 20.72 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 753 fico, min 660<br>LTV is less than guideline maximum - 70% LTV, max 85%<br>Qualifying DTI below maximum allowed - 11.44% DTI, max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859828 | xxxxxx D A | Closed | xxxxxx | 2026-02-17 15:16 | 2026-02-24 15:29 | 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-02/24/2026 <br> Ready for Review-Document Uploaded. Borrower sold xxxxxx xxxxxx, xxxxxx, funds from sale to Borrower xxxxxx, wired to xxxxxx xxxxxx, xxxxxx was wired to xxxxxx to complete subject transaction. Funds remaining $494,122.20 used as liquid reserves. Please see attached: <br>1. Proof of sale.<br> 2. xxxxxx January statement. <br> 3. xxxxxx activity print out as of 2/11/2026.<br> - Seller-02/20/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-556467.71'. Assets are Insufficient. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Borrower sold xxxxxx xxxxxx, xxxxxx, funds from sale to Borrower xxxxxx, wired to xxxxxx xxxxxx, xxxxxx was wired to xxxxxx to complete subject transaction. Funds remaining $494,122.20 used as liquid reserves. Please see attached: <br>1. Proof of sale.<br> 2. xxxxxx January statement. <br> 3. xxxxxx activity print out as of 2/11/2026.<br> - Seller-02/20/2026 | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 753 fico, min 660<br>LTV is less than guideline maximum - 70% LTV, max 85%<br>Qualifying DTI below maximum allowed - 11.44% DTI, max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859828 | xxxxxx D A | Closed | xxxxxx | 2026-02-17 14:24 | 2026-02-24 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. - Seller-02/20/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE or CPA Letter to confirm Business not found in file - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 753 fico, min 660<br>LTV is less than guideline maximum - 70% LTV, max 85%<br>Qualifying DTI below maximum allowed - 11.44% DTI, max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859839 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859840 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859851 | xxxxxx C B A | Closed | xxxxxx | 2026-02-28 16:00 | 2026-03-02 11:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Investor excetion applied to non-maetirla finding with comp factors. - Due Diligence Vendor-03/02/2026 <br>Open-Housing History Does Not Meet Guideline Requirements- Borrower Lives rent free and buying a second home. - Exception provided for borrower wanting to purchase subject property as a 2nd home but borrower lives rent free - spouse own current home. - Due Diligence Vendor-02/28/2026 |  | Waived-Investor excetion applied to non-maetirla finding with comp factors. - Due Diligence Vendor-03/02/2026<br>| Qualifying DTI below maximum allowed - DTI 31.99% MAX DTI 45%<br>Qualifying FICO score is at least 20 points above minimum for program - Credit Score Required 680 and Verified 701 | Self-employed more than 2 years, Credit score is 10 points above minimum required, reserves exceed requirements by 2 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 | Investor Post-Close | No | xxxxxx |
| 859859 | xxxxxx D A | Closed | xxxxxx | 2026-02-23 17:25 | 2026-03-06 07:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Document Uploaded. 4506-c's provided. - Due Diligence Vendor-03/06/2026 <br>Counter-Client Comments - xxxxxx, 2024/2023 1040 transcripts were included in the closing package. Can you please clear the 4506C Form condition? xxxxxx, - AUDIT Response - Please provide the signed 2 year 4506 C for both borrowers in order to clear the finding.<br> - Due Diligence Vendor-03/04/2026 <br>Counter-Received originator commentary 4506 not required. As wage and self - employment income considered, 4506 C required for each borrower - Due Diligence Vendor-02/26/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing Borrower 1 and B2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-02/24/2026 |  | Resolved-Document Uploaded. 4506-c's provided. - Due Diligence Vendor-03/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.79 Required is 50 Borrower has 39.79<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 Required is 700 Borrower has 767 |  | 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 |
| 859863 | xxxxxx D B A | Closed | xxxxxx | 2026-02-11 11:53 | 2026-02-20 07:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Client provided CPA Validation - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/18/2026 <br>Open-Borrower 1 CPA Letter Missing CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/18/2026<br>| Resolved-Client provided CPA Validation - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.66 |  | 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 |
| 859863 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 15:52 | 2026-02-11 06:22 | 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-02/10/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.66 |  | 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 |
| 859864 | xxxxxx C A | Closed | xxxxxx | 2026-02-09 13:29 | 2026-02-12 08:29 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Client provided rebuttal fee is required lender paid. Finding resolved. - Due Diligence Vendor-02/12/2026 <br>Ready for Review-it's a lender-paid broker compensation fee. Please clear this condition<br> - Seller-02/11/2026 <br>Ready for Review-it's a lender-paid broker compensation fee. Please waive this condition<br> - Seller-02/11/2026 <br>Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-02/09/2026 | Ready for Review-it's a lender-paid broker compensation fee. Please clear this condition<br> - Seller-02/11/2026 <br>Ready for Review-it's a lender-paid broker compensation fee. Please waive this condition<br> - Seller-02/11/2026<br>| Resolved------Client provided rebuttal fee is required lender paid. Finding resolved. - Due Diligence Vendor-02/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 62.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 695 |  | 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 |
| 859871 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 13:53 | 2026-02-13 07:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003 from missing initial finding. Finding Resolved. - Due Diligence Vendor-02/10/2026 <br>Open-The Final 1003 is Missing Missing signed Final 1003. - Due Diligence Vendor-02/03/2026 |  | Resolved-Received Final 1003 from missing initial finding. Finding Resolved. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 704<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.25<br>LTV is less than guideline maximum - Required is 90 Borrower has 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 |
| 859871 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 13:53 | 2026-02-13 07:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003 signed by MLO. Finding Resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. see attached page 8 has signature - Seller-02/12/2026 <br> Counter-----Initial 1003 needs to be signed by the MLO in section 9 of the 1003. Finding Remains. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-02/10/2026 <br> Counter-----Received a copy of the final 1003, need a copy of the initial. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. please see two attachments for the 1003 and the signature page by MLO. - Seller-02/06/2026 <br> Open-The Initial 1003 is Missing Missing initial 1003 signed by MLO. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. see attached page 8 has signature - Seller-02/12/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-02/10/2026 <br> Ready for Review-Document Uploaded. please see two attachments for the 1003 and the signature page by MLO. - Seller-02/06/2026 | Resolved-Received Initial 1003 signed by MLO. Finding Resolved. - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 704<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.25<br>LTV is less than guideline maximum - Required is 90 Borrower has 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 |
| 859871 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 13:58 | 2026-02-10 08:01 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Received Non-Borrower Title Holder Received Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED NRTC SIGNED BY xxxxxx - Seller-02/06/2026 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Missing ROR signed by xxxxxx. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. SEE ATTACHED NRTC SIGNED BY xxxxxx - Seller-02/06/2026 | Resolved-Received Non-Borrower Title Holder Received Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 704<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.25<br>LTV is less than guideline maximum - Required is 90 Borrower has 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 |
| 859872 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 15:32 | 2026-02-09 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Per guideline we do not rate credit card payments - Seller-01/30/2026 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Provide evidence xxxxxx xxxxxx was not past due in most recent 12 months. - Due Diligence Vendor-01/29/2026 | Ready for Review-Per guideline we do not rate credit card payments - Seller-01/30/2026<br>| Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668 Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 Required is 50 Borrower has 43.16 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859872 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 15:32 | 2026-02-09 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history. No 30 day payments noted. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached payment history payment was made on 12/19/2025 - Seller-02/04/2026 <br> Counter-No document provided. Proof of payment required to confirm if payment was 30 days late. Matrix require price adjustment if applicable. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-. \*\*The principal balance provided in the December statement showing due 1/1/26 shows the amount xxxxxx. Of the monthly payment, $177.64 is applied towards principal. The payoff we received on 1/7/26 from title shows principal balance as of payoff date is xxxxxx, which clearly shows they made their past due payment. The payoff also shows the late charge fees and interest and escrow balance which is what we collected at closing. - Seller-02/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide proof past due payment of $1,963.44 on mortgage statement was brought current. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached payment history payment was made on 12/19/2025 - Seller-02/04/2026 <br> Ready for Review-. \*\*The principal balance provided in the December statement showing due 1/1/26 shows the amount $218,526.32. Of the monthly payment, $177.64 is applied towards principal. The payoff we received on 1/7/26 from title shows principal balance as of payoff date is $218,349.92, which clearly shows they made their past due payment. The payoff also shows the late charge fees and interest and escrow balance which is what we collected at closing. - Seller-02/02/2026 | Resolved-Received payment history. No 30 day payments noted. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668 Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 Required is 50 Borrower has 43.16 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859872 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 15:32 | 2026-02-09 12:16 | 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-02/06/2026 <br> Ready for Review-Document Uploaded. Please see the UDM on the xxxxxx Report dated xxxxxx page 30 Monitor start Dated xxxxxx to xxxxxx loan Funded on xxxxxx - Seller-02/06/2026 <br> Counter-No document provided . Date of noted fraud report is 1/8/26, not within 10 days of closing. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Please see the UDM on the xxxxxx Report page 31 Monitor start Dated xxxxxx loan Funded on xxxxxx - Seller-02/04/2026 <br> Counter-No document provided. Guideline 5.2.6 GAP CREDIT REPORTA gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of closing. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-We do not require a Gap Credit report per guidelines. - Seller-01/30/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide evidence of Gap report or UDM within 10 days of closing. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see the UDM on the xxxxxx Report dated xxxxxx page 30 Monitor start Dated xxxxxx loan Funded on xxxxxx - Seller-02/06/2026 <br> Ready for Review-Please see the UDM on the xxxxxx Report page 31 Monitor start Dated xxxxxx loan Funded on xxxxxx - Seller-02/04/2026 <br> Ready for Review-We do not require a Gap Credit report per guidelines. - Seller-01/30/2026 | Resolved-Received UDM. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668 Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 Required is 50 Borrower has 43.16 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859872 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 14:44 | 2026-02-06 13:58 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Completion report received. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. See attached Completion Report - Seller-02/05/2026 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Provide 1004D - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. See attached Completion Report - Seller-02/05/2026 | Resolved-Completion report received. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668 Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 Required is 50 Borrower has 43.16 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859872 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 15:11 | 2026-02-06 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Please see attached VOE - Seller-02/06/2026 <br> Counter-Received SOS confirming Business is in existence. Borrower is a 1099 employee treated as self employed. In this case, a VVOE will be required from employer to confirm still affiliated with company. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Counter-No document provided. Per 7.2.4 For self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within 10 business days of closing - Due Diligence Vendor-02/03/2026 <br> Ready for Review-a)The loan is Non QM, <br> b)The HPML status is allowed, and all HPML conditions (including escrows) are properly satisfied. <br> c)No compliance violations exist that would prevent funding or purchase under xxxxxx guidelines.<br> - Seller-02/02/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd party VOE. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached VOE - Seller-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Ready for Review-a)The loan is Non QM, <br> b)The HPML status is allowed, and all HPML conditions (including escrows) are properly satisfied. <br> c)No compliance violations exist that would prevent funding or purchase under xxxxxx guidelines.<br> - Seller-02/02/2026 | Resolved-Received VVOE. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668 Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 Required is 50 Borrower has 43.16 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859872 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 15:35 | 2026-02-06 13:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated Fraud Report reflecting items addressed. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. Please read comment there is no additional documents. - Seller-02/06/2026 <br>Counter-Received duplicate Fraud Report. Missing documents noted to clear high alerts. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. See Attached report - Seller-01/30/2026 <br>Open-Fraud Report Shows Uncleared Alerts Provide evidence the 3 alerts on xxxxxx have been cleared. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please read comment there is no additional documents. - Seller-02/06/2026 <br>Ready for Review-Document Uploaded. See Attached report - Seller-01/30/2026<br>| Resolved-Received updated Fraud Report reflecting items addressed. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668 Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 Required is 50 Borrower has 43.16 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859872 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 14:27 | 2026-02-03 13:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. See attached re-recorded DOT with Legal - Seller-01/30/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. See attached re-recorded DOT with Legal - Seller-01/30/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668 Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 Required is 50 Borrower has 43.16 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859872 | xxxxxx D A C | Closed | xxxxxx | 2026-01-28 12:34 | 2026-02-02 10:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-File contains a full appraisal and escrows. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-a)The loan is Non QM, so the "QM FAIL" result is expected and immaterial. <br> b)The HPML status is allowed, and all HPML conditions (including escrows) are properly satisfied. <br> c)No compliance violations exist that would prevent funding or purchase under xxxxxx guidelines.<br> - Seller-01/30/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Statute of limitations – One year; Expiration date: xxxxxx<br> - Due Diligence Vendor-01/28/2026 | Ready for Review-a)The loan is Non QM, so the "QM FAIL" result is expected and immaterial. <br> b)The HPML status is allowed, and all HPML conditions (including escrows) are properly satisfied. <br> c)No compliance violations exist that would prevent funding or purchase under xxxxxx guidelines.<br> - Seller-01/30/2026 | Resolved-File contains a full appraisal and escrows. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668 Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 Required is 50 Borrower has 43.16 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859873 | xxxxxx C A | Closed | xxxxxx | 2026-02-03 09:56 | 2026-02-04 14:47 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/04/2026 <br>Ready for Review-We do not require letter of explanation for credit inquiries. - Seller-02/03/2026 <br>Open-LOX for credit inquiries is missing. Missing Credit inquiry for initial credit report - Due Diligence Vendor-02/03/2026 | Ready for Review-We do not require letter of explanation for credit inquiries. - Seller-02/03/2026<br>| Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/04/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.68<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 794 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859874 | xxxxxx D B A | Closed | xxxxxx | 2026-02-03 12:14 | 2026-02-24 13:29 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived-Document Uploaded. Originator waiver applied to non-material finding. - Due Diligence Vendor-02/24/2026 <br>Counter-4506-T/4506-C is required on all full documentation loans. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-We DO NOT require the 4506T or 4506C - Seller-02/04/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing 4506C fully executed for two years - Due Diligence Vendor-02/03/2026 | Ready for Review-We DO NOT require the 4506T or 4506C - Seller-02/04/2026<br>| Waived-Document Uploaded. Originator waiver applied to non-material finding. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758<br>Months Reserves exceed minimum required - 4 Months Reserves exceed 0 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 Post-Close | Yes | xxxxxx |
| 859874 | xxxxxx D B A | Closed | xxxxxx | 2026-02-03 11:53 | 2026-02-10 16:29 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-Received confirmation and guidelines do not require xxxxxx coverage on non warrantable condo. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-I have confirmed that we do not require xxxxxx Coverage. - Seller-02/09/2026 <br> Counter-Guidelines are silent with regards to xxxxxx Coverage for non warrantable. Provide confirmation not required. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. see attached master policy. we do not require a xxxxxx Bond. - Seller-02/05/2026 <br> Counter-No document provided. Missing proof of sufficient xxxxxx insurance. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-we require the 4506T or 4506C - Seller-02/04/2026 <br> Open-xxxxxx Coverage not met. xxxxxx Bond insurance is required to be provided by HOA - Due Diligence Vendor-02/03/2026 | Ready for Review-I have confirmed that we do not require xxxxxx Coverage. - Seller-02/09/2026 <br> Ready for Review-Document Uploaded. see attached master policy. we do not require a xxxxxx Bond. - Seller-02/05/2026 <br> Ready for Review-we require the 4506T or 4506C - Seller-02/04/2026 | Resolved-Received confirmation and guidelines do not require xxxxxx coverage on non warrantable condo. - Due Diligence Vendor-02/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758<br>Months Reserves exceed minimum required - 4 Months Reserves exceed 0 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 |
| 859876 | xxxxxx C A | Closed | xxxxxx | 2026-02-03 12:16 | 2026-02-06 14:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Business Narrative Missing or has issues | Resolved-CPA letter notates K-1 ownership. business name and likely to not change. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-we do not require business narrative. - Seller-02/04/2026 <br>Open-BUSINESS NARRATIVE MISSING - Due Diligence Vendor-02/03/2026 | Ready for Review-we do not require business narrative. - Seller-02/04/2026<br>| Resolved-CPA letter notates K-1 ownership. business name and likely to not change. - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |  | 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 |
| 859876 | xxxxxx C A | Closed | xxxxxx | 2026-02-02 10:28 | 2026-02-06 14:33 | 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-02/06/2026 <br>Ready for Review-Document Uploaded. see attached recorded DOT with legal description - Seller-02/04/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal description - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. see attached recorded DOT with legal description - Seller-02/04/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |  | 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 |
| 859884 | xxxxxx D A C | Closed | xxxxxx | 2026-02-03 09:50 | 2026-03-20 13:56 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved----Received PCCD xxxxxx X with copy of letter, check and shipping Label. Finding is Cured per xxxxxx. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached LOE, CD and Check Items were xxxxxx to the borrower xxxxxx - Seller-02/10/2026 <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. -----Tolerance violation exceeds allowable by $5380. May be curable with evidence of refund to borrower, PCCD, LOE and evidence of delivery. Provide Borrower Acknowledgement of CDs xxxxxx and xxxxxx. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached LOE, CD and Check Items were xxxxxx to the borrower xxxxxx - Seller-02/10/2026 | Resolved----Received PCCD xxxxxx X with copy of letter, check and shipping Label. Finding is Cured per xxxxxx. - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73<br>LTV is less than guideline maximum - Required is 85 Borrower has 36.51 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859884 | xxxxxx D A C | Closed | xxxxxx | 2026-02-03 09:50 | 2026-03-20 13:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved----Received PCCD xxxxxx X with copy of letter, check and shipping Label. Finding is Cured per xxxxxx. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached LOE, CD and Check Items were xxxxxx to the borrower xxxxxx - Seller-02/10/2026 <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 $5380.00, and due to Federal or Section 32 High-Cost, the overage is not curable. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached LOE, CD and Check Items were xxxxxx to the borrower xxxxxx - Seller-02/10/2026 | Resolved----Received PCCD xxxxxx X with copy of letter, check and shipping Label. Finding is Cured per xxxxxx. - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73<br>LTV is less than guideline maximum - Required is 85 Borrower has 36.51 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859884 | xxxxxx D A C | Closed | xxxxxx | 2026-02-03 09:50 | 2026-03-20 13:54 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved----Received PCCD xxxxxx X with copy of letter, check and shipping Label. Finding is Cured per xxxxxx. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached LOE, CD and Check Items were xxxxxx to the borrower xxxxxx - Seller-02/10/2026 <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 chattel 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 Department of Housing and Urban Development 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 xxxxxx 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. ----- Tolerance violation exceeds allowable by $5380.00, and due to Federal or Section 32 High-Cost, the overage is not curable. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached LOE, CD and Check Items were xxxxxx to the borrower xxxxxx - Seller-02/10/2026 | Resolved----Received PCCD xxxxxx X with copy of letter, check and shipping Label. Finding is Cured per xxxxxx. - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73<br>LTV is less than guideline maximum - Required is 85 Borrower has 36.51 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859884 | xxxxxx D A C | Closed | xxxxxx | 2026-02-03 15:16 | 2026-02-12 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received OFAC clearance. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. See attached OFAC - Seller-02/10/2026 <br> Counter-Please provide OFAC clearance for title vested individual. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-xxxxxx was not run on xxxxxx is Title Only - Seller-02/06/2026 <br> Counter-Received Fraud Report. Please provide OFAC clearance report as credit report is not eligible. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Please see the credit report and the xxxxxx report OFAC was cleared (xxxxxx) is Title Only and is not our borrower - Seller-02/04/2026 <br> Open-Missing Third Party Fraud Report Provide 3rd party fraud report with all parties checked with OFACs and interested parties. Additional conditions may apply. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. See attached OFAC - Seller-02/10/2026 <br> Ready for Review-xxxxxx was not run on xxxxxx) is Title Only - Seller-02/06/2026 <br> Ready for Review-Document Uploaded. Please see the credit report and the xxxxxx report OFAC was cleared xxxxxx is Title Only and is not our borrower - Seller-02/04/2026 | Resolved-Received OFAC clearance. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73<br>LTV is less than guideline maximum - Required is 85 Borrower has 36.51 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859884 | xxxxxx D A C | Closed | xxxxxx | 2026-02-04 12:31 | 2026-02-11 10:29 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Pension Statement in file for SEP - YTD is consistent for 9 Months. Bank Statement from December confirms deposit again. Borrower over 62 - no further documentation required. - Due Diligence Vendor-02/11/2026 <br> Counter-Pending pension verification. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. See page 3 of the bank statement - Seller-02/06/2026 <br> Counter-Pending receipt of VOB or 1009 for pension income - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. 8.4.19 Pension/Retirement <br> Pension and retirement income must be verified with ANY or the following <br> award letter or most recent 1099R <br> the award letter is in the file $2,951.50<br> Borrower is xxxxxx years old per DL - Seller-02/05/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 1099(s) to support pension income as required by guidelines. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. See page 3 of the bank statement - Seller-02/06/2026 <br> Ready for Review-Document Uploaded. 8.4.19 Pension/Retirement <br> Pension and retirement income must be verified with ANY or the following <br> award letter or most recent 1099R <br> the award letter is in the file $2,951.50<br> Borrower is xxxxxx years old per DL - Seller-02/05/2026 | Resolved-Pension Statement in file for SEP - YTD is consistent for 9 Months. Bank Statement from December confirms deposit again. Borrower over 62 - no further documentation required. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73<br>LTV is less than guideline maximum - Required is 85 Borrower has 36.51 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859884 | xxxxxx D A C | Closed | xxxxxx | 2026-02-04 12:15 | 2026-02-11 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Pension Statement in file for SEP - YTD is consistent for 9 Months. Bank Statement from December confirms deposit again. Borrower over 62 - no further documentation required. - Due Diligence Vendor-02/11/2026 <br> Counter-Received duplicate bank statement. Missing 2nd month reflecting pension receipt. Nov statement does not reflect pension direct deposit. Provide VOB, Awards or 1099 - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. See page 3 of the bank statement - Seller-02/06/2026 <br> Counter-Received receipt of pension. Missing Verification of Benefit or 1099 as required by guideline 8.4.19 - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. 8.4.19 Pension/Retirement <br> Pension and retirement income must be verified with ANY or the following <br> award letter or most recent 1099R <br> the award letter is in the file $2,951.50<br> Borrower is 79 years old per DL - Seller-02/05/2026 <br> Open-Borrower 1 W2/1099 Missing Missing 1099(s) to support pension income as required by guidelines. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. See page 3 of the bank statement - Seller-02/06/2026 <br> Ready for Review-Document Uploaded. 8.4.19 Pension/Retirement <br> Pension and retirement income must be verified with ANY or the following <br> award letter or most recent 1099R <br> the award letter is in the file $2,951.50<br> Borrower is 79 years old per DL - Seller-02/05/2026 | Resolved-Pension Statement in file for SEP - YTD is consistent for 9 Months. Bank Statement from December confirms deposit again. Borrower over 62 - no further documentation required. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73<br>LTV is less than guideline maximum - Required is 85 Borrower has 36.51 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859884 | xxxxxx D A C | Closed | xxxxxx | 2026-02-03 15:50 | 2026-02-06 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Upon further review 4506 is not required. - Due Diligence Vendor-03/24/2026 <br>Ready for Review-We do not require an Executed 4506-T/4506-C - Seller-02/04/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-02/04/2026 | Ready for Review-We do not require an Executed 4506-T/4506-C - Seller-02/04/2026<br>| Resolved-Upon further review 4506 is not required. - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73<br>LTV is less than guideline maximum - Required is 85 Borrower has 36.51 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859884 | xxxxxx D A C | Closed | xxxxxx | 2026-02-03 15:15 | 2026-02-06 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Fraud Report reflecting UDM. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Please see attached xxxxxx UDM page 30 Start Date xxxxxx-End Date xxxxxx - Seller-02/04/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Provide gap credit report. Additional conditions may apply. - Due Diligence Vendor-02/03/2026 | Ready for Review-Please see attached xxxxxx UDM page 30 Start Date xxxxxx-End Date xxxxxx - Seller-02/04/2026 | Resolved-Received Fraud Report reflecting UDM. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73<br>LTV is less than guideline maximum - Required is 85 Borrower has 36.51 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859884 | xxxxxx D A C | Closed | xxxxxx | 2026-02-03 09:50 | 2026-02-06 08:12 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-------Received Signed Initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Please see attached initial CD signed on xxxxxx - Seller-02/04/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Provide borrower's acknowledgment of Initial Closing Disclosure Issued xxxxxx. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached initial CD signed on xxxxxx - Seller-02/04/2026 | Resolved-------Received Signed Initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73<br>LTV is less than guideline maximum - Required is 85 Borrower has 36.51 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859885 | xxxxxx C A | Closed | xxxxxx | 2026-02-11 15:22 | 2026-02-17 15:41 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/17/2026 <br>Ready for Review-This is a NON-QM loan we do not check interested parties against xxxxxx (xxxxxx) - Seller-02/12/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Per fraud report, the interested parties were not checked against xxxxxx (xxxxxx). - Due Diligence Vendor-02/11/2026 | Ready for Review-This is a NON-QM loan we do not check interested parties against xxxxxx (xxxxxx) - Seller-02/12/2026 | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 0.52<br>LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 725 Required is 680 Borrower has 725 |  | 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 |
| 859886 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 11:36 | 2026-03-11 16:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Google search confirmed active business and tree services. - Due Diligence Vendor-03/11/2026 <br> Counter-Received duplicate Processor Cert. Review of 8.2.1.2 - personal statements- Borrowers who own construction/rehab/fix & flip companies are not eligible. Use of business funds also require verification from CPA, also not provided. Finding remains. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. please see attached revised proc cert - Seller-03/06/2026 <br> Counter-Processor cert stating tree services and Home Service, however this does not appear to be eligible per 8.2.1.2. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. see attached processor cert. - Seller-03/04/2026 <br> Counter-Received internet printout only. Upon review, appears business is not eligible for Personal Bank Statement program per 8.2.1.2 as a rehab/construction company and verification requires tax preparer letter. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Verification Business is active and in good standing guideline requirement. The purpose for this requirement is to make sure that the business is active and that income source will continue once the loan closes. The documentation provided (SEE ATTACHED) confirms by a 3rd party source that the borrower's business is active and a viable income source. The date stamp on the documentation is after the loan closed but regardless of the date stamp it verifies that business is active and in good standing. Still a viable income source. - Seller-02/25/2026 <br> Counter-No document provided. xxxxxx guides 1/7/26- 7.2.4 VVOE-For self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within 10 business days of closing. The loan file should reflect the documentation <br> secured from these sources. Sources may include:Ÿ CPA, Tax Attorney, IRS Enrolled Agent, xxxxxx, regulatory agency, or applicable licensing bureau<br> Ÿ Secretary of State listing reflecting current year registrationŸ Verification of a phone and address listing using the Internet. Finding remains. <br> - Due Diligence Vendor-02/20/2026 <br> Ready for Review-The SOS is only required per our guidelines if we are lending to the entity. In this case this is a consumer loan where our borrower cannot be an entity. The VOE is sufficient per our guidelines. - Seller-02/19/2026 <br> Counter-Received Home advisor review that indicate not home advisor approved. Provide SOS confirming business active and in good standing with State. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. please see attached VOE - Seller-02/12/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party verification of self employment. Prior to Close Missing - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. please see attached revised proc cert - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. see attached processor cert. - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. Verification Business is active and in good standing guideline requirement. The purpose for this requirement is to make sure that the business is active and that income source will continue once the loan closes. The documentation provided (SEE ATTACHED) confirms by a 3rd party source that the borrower's business is active and a viable income source. The date stamp on the documentation is after the loan closed but regardless of the date stamp it verifies that business is active and in good standing. Still a viable income source. - Seller-02/25/2026 <br> Ready for Review-The SOS is only required per our guidelines if we are lending to the entity. In this case this is a consumer loan where our borrower cannot be an entity. The VOE is sufficient per our guidelines. - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. please see attached VOE - Seller-02/12/2026 | Resolved-Google search confirmed active business and tree services. - Due Diligence Vendor-03/11/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 765 Required is 700 Borrower has 765<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.14 Required is 50 Borrower has 27.14 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859886 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 12:00 | 2026-03-02 11:42 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income is supported by the bank statements properided and received the lender incoke worksheet. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Statements must support stable and predictable deposits. The borrower's average deposits for 12 months or qualifying income was $14,714.84/month. The deposits into the bank account are in line with the borrower's line of work and random as the borrower is self-employed and does not receive a wager income where the same amount is deposited every pay period. The only larger deposit of $87,500 on 07/17/2025 was backed out of the total deposit as it would be considered a large deposit or random compared to the qualifying income. SEE ATTACHED INCOME WORKSHEET and look under the EXCLUDED DEPOSITS 07/17/2025<br>- Seller-02/25/2026 <br> Counter-No document provided. Review of xxxxxx guides 1/7/26-8.2.1 Bank Statements. - Statements must support stable and predictable deposits. Unusual deposits must be sourced and documented accordingly. Large, random and/or infrequent deposits will not be used <br> unless an explanation is provided, sourced back to business, and corresponds with Borrower(s) business type and or line of work. Finding remains. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-An LOE for Large deposits are not required per our guidelines - Seller-02/19/2026 <br> Counter-Please provide the large deposits source/LOE. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-per senior management we are allowed to use xxxxxx as their income when self employed. see analysis - Seller-02/17/2026 <br> Counter-Received income worksheet. Missing explanation for xxxxxx deposits and large Deposits in order to support income. Additional findings may apply. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. see attached income worksheet - Seller-02/12/2026 <br> Open-Income and Employment Do Not Meet Guidelines Provide documentation/explanation for xxxxxx deposits and large Deposits in order to support income. Additional findings may apply. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Statements must support stable and predictable deposits. The borrower's average deposits for 12 months or qualifying income was $14,714.84/month. The deposits into the bank account are in line with the borrower's line of work and random as the borrower is self-employed and does not receive a wager income where the same amount is deposited every pay period. The only larger deposit of $87,500 on 07/17/2025 was backed out of the total deposit as it would be considered a large deposit or random compared to the qualifying income. SEE ATTACHED INCOME WORKSHEET and look under the EXCLUDED DEPOSITS 07/17/2025<br>- Seller-02/25/2026 <br> Ready for Review-An LOE for Large deposits are not required per our guidelines - Seller-02/19/2026 <br> Ready for Review-per senior management we are allowed to use xxxxxx as their income when self employed. see analysis - Seller-02/17/2026 <br> Ready for Review-Document Uploaded. see attached income worksheet - Seller-02/12/2026 | Resolved-Income is supported by the bank statements properided and received the lender incoke worksheet. - Due Diligence Vendor-03/02/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 765 Required is 700 Borrower has 765<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.14 Required is 50 Borrower has 27.14 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859886 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 16:17 | 2026-02-20 12:03 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Review of Guideline confirm not required. 5.2.4 INQUIRIES Does not need to be addressed. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Our guidelines do not require an LOE for credit inquiries. - Seller-02/19/2026 <br> Counter-Received LOX for rental and canceled checks. Missing LOX for inquiries noted on Credit letter (xxxxxx xxxxxx) - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. please see attached LOE's - Seller-02/12/2026 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-02/11/2026 | Ready for Review-Our guidelines do not require an LOE for credit inquiries. - Seller-02/19/2026 <br>Ready for Review-Document Uploaded. please see attached LOE's - Seller-02/12/2026<br>| Resolved-Review of Guideline confirm not required. 5.2.4 INQUIRIES Does not need to be addressed. - Due Diligence Vendor-02/20/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 765 Required is 700 Borrower has 765<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.14 Required is 50 Borrower has 27.14 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859888 | xxxxxx C A | Closed | xxxxxx | 2026-02-06 20:44 | 2026-02-19 07:52 | 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 showing payment to other company not Lender. Finding Resolved. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. See correct cd - Seller-02/18/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Appraisal Review Fee in section B is payable to Lender/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 - 1 year, expiration date xxxxxx. - Due Diligence Vendor-02/07/2026 | Ready for Review-Document Uploaded. See correct cd - Seller-02/18/2026<br>| Resolved-----Received PCCD showing payment to other company not Lender. Finding Resolved. - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763<br>LTV is less than guideline maximum - Required is 70 Borrower has 48.48 |  | 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 |
| 859888 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 10:03 | 2026-02-17 15:25 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received Hazard Insurance Effective Date of xxxxxx - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx. Loan disbursed on xxxxxx - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026<br>| Resolved-Received Hazard Insurance Effective Date of xxxxxx - Due Diligence Vendor-02/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763<br>LTV is less than guideline maximum - Required is 70 Borrower has 48.48 |  | 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 |
| 859888 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 13:17 | 2026-02-17 15:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received Business registration documenting borrower as individual owner. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Attached you will find a printout from the xxxxxx secretary of state business search confirm that the borrower is 100% owner of the business. - Seller-02/13/2026 <br> Open-Income and Employment Do Not Meet Guidelines Guidelines state borrower must provide proof they are at least 20% owner of a business. Business print-outs in file do not reflect the borrower's percentage of ownership. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Attached you will find a printout from the xxxxxx secretary of state business search confirm that the borrower is 100% owner of the business. - Seller-02/13/2026 | Resolved-Received Business registration documenting borrower as individual owner. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763<br>LTV is less than guideline maximum - Required is 70 Borrower has 48.48 |  | 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 |
| 859888 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 11:30 | 2026-02-17 15:10 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Attached are the mortgage statement for 11/01 and 12/01 - Seller-02/13/2026 <br>Open-Housing History Does Not Meet Guideline Requirements - Missing mortgage payment being made 11/1 and 12/1. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Attached are the mortgage statement for 11/01 and 12/01 - Seller-02/13/2026<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763<br>LTV is less than guideline maximum - Required is 70 Borrower has 48.48 |  | 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 |
| 859890 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 14:39 | 2026-03-19 15:22 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Credit report. Debt included and borrower qualifies. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED. this confirms that the obligations are not the borrower's . Regarding the obligations listed on URLA. The highlighted (see attached screenshot with highlights) obligations do not belong to the borrower and should have been removed or not on the final URLA. The credit confirms that the obligation or debts are for xxxxxx and not xxxxxx. Below you will see how it is determined that the debt is not the borrower's obligation. Borrower still qualifies with these obligations included in the DTI and no further documentation is required. - Seller-03/02/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of liabilities not disclosed on credit report. Debts listed on the final 1003 are not consistent with the credit report. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED. this confirms that the obligations are not the borrower's . Regarding the obligations listed on URLA. The highlighted (see attached screenshot with highlights) obligations do not belong to the borrower and should have been removed or not on the final URLA. The credit confirms that the obligation or debts are for xxxxxx and not xxxxxx. Below you will see how it is determined that the debt is not the borrower's obligation. Borrower still qualifies with these obligations included in the DTI and no further documentation is required. - Seller-03/02/2026 | Resolved-Received Credit report. Debt included and borrower qualifies. - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 740<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.26<br>Months Reserves exceed minimum required - required 6 months. borrower has 25 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 | N/A | N/A | xxxxxx |
| 859890 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 13:02 | 2026-03-03 14:19 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received proof debt. Included debt and borrower qualify. - Due Diligence Vendor-03/03/2026 <br> Counter-Received note that liabilities do not belong to borrowers. Missing corrected final 1003 and 1008 and LOE regarding error. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. the full credit report is attached.<br> per our UW: Regarding the obligations listed on URLA. The highlighted obligations (see attached) do not belong to the borrower and should have been removed or not on the final URLA. The credit confirms that the obligation or debts are for xxxxxx and not xxxxxx. Below you will see how it is determined that the debt is not the borrower's obligation. Borrower still qualifies with these obligations included in the DTI and no further documentation is required. - Seller-02/25/2026 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. missing proof of liabilities not disclosed on credit report. Debts listed on the final 1003 are not consistent with the credit report. <br>missing verification of the following debts:<br> xxxxxx CARD $77/$2667<br> xxxxxx $100/$70<br> xxxxxx $29/$365<br> xxxxxx $29/$136 <br> xxxxxx $5/$5<br> xxxxxx $205/$26425<br> xxxxxx CARD $164/$6659 - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. the full credit report is attached.<br> per our UW: Regarding the obligations listed on URLA. The highlighted obligations (see attached) do not belong to the borrower and should have been removed or not on the final URLA. The credit confirms that the obligation or debts are for xxxxxx and not xxxxxx. Below you will see how it is determined that the debt is not the borrower's obligation. Borrower still qualifies with these obligations included in the DTI and no further documentation is required. - Seller-02/25/2026 | Resolved-Received proof debt. Included debt and borrower qualify. - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 740<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.26<br>Months Reserves exceed minimum required - required 6 months. borrower has 25 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 | N/A | N/A | xxxxxx |
| 859890 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 14:24 | 2026-02-25 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report with no new inquiries. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. see attached full xxxxxx. last report was ran on 1/30, then see page 40 no new credit inquiries <br> - Seller-02/23/2026 <br> Counter-Received UDM reflecting current order date xxxxxx. Please provide UDM with order date within 10 days of closing. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached UDM on page 40 of the fraud report. start date xxxxxx, end date xxxxxx - Seller-02/17/2026 <br> Open-Borrower 1 Gap Credit Report is Missing The guidelines state a gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of closing. The gap credit report is missing for the borrower. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. see attached full xxxxxx. last report was ran on 1/30, then see page 40 no new credit inquiries <br> - Seller-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached UDM on page 40 of the fraud report. start date xxxxxx, end date xxxxxx - Seller-02/17/2026 | Resolved-Received UDM report with no new inquiries. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 740<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.26<br>Months Reserves exceed minimum required - required 6 months. borrower has 25 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 | N/A | N/A | xxxxxx |
| 859890 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 12:55 | 2026-02-25 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud report. Additional high alert for occupancy noted as mobile number. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-This loan is Non-QM and we used the business bank statement to calculate qualifying income. The high alert is a potential discrepancy in income compared to other files with other lenders. I did acknowledge that we are using 12-month business bank statements and there is no documentation to clear this high alert. We followed the guidelines for business bank statements, and no additional documentation is required. - Seller-02/24/2026 <br> Counter-Received Fraud report. Missing documentation used to clear high alerts. Alerts noted as Verified with no documentation. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. see attached most recent fraud report - Seller-02/17/2026 <br> Open-Missing Third Party Fraud Report Provide third party fraud report.<br> - Due Diligence Vendor-02/12/2026 | Ready for Review-This loan is Non-QM and we used the business bank statement to calculate qualifying income. The high alert is a potential discrepancy in income compared to other files with other lenders. I did acknowledge that we are using 12-month business bank statements and there is no documentation to clear this high alert. We followed the guidelines for business bank statements, and no additional documentation is required. - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. see attached most recent fraud report - Seller-02/17/2026 | Resolved-Received Fraud report. Additional high alert for occupancy noted as mobile number. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 740<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.26<br>Months Reserves exceed minimum required - required 6 months. borrower has 25 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 | N/A | N/A | xxxxxx |
| 859892 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859893 | xxxxxx D B A | Closed | xxxxxx | 2026-02-11 08:37 | 2026-02-25 19:08 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review no additional documentation required. Exception in file for P&L. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. See attached exception - Seller-02/19/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Guidelines do not state that xxxxxx 50(a)(6) can utilize a 24 month P&L program as income. General requirements only indicate full doc and personal/business bank statement income is allowed. 2. Product matrix does not list cash out as on option for P&L type income, only purchase and rate and term appear to be allowed - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. See attached exception - Seller-02/19/2026 | Resolved-Upon further review no additional documentation required. Exception in file for P&L. - Due Diligence Vendor-03/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.12<br>LTV is less than guideline maximum - Only need 2 comp factors Required is 75 Borrower has 64.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 778 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859893 | xxxxxx D B A | Closed | xxxxxx | 2026-02-11 08:44 | 2026-02-25 19:07 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception applied to non material condition with comnp factors. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. See attached exception - Seller-02/19/2026 <br>Open-Cash Out Does Not Meet Guideline Requirements Product matrix does not list cash out as on option for P&L type income, only purchase and rate and term appear to be allowed. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. See attached exception - Seller-02/19/2026 | Waived-Originator exception applied to non material condition with comnp factors. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.12<br>LTV is less than guideline maximum - Only need 2 comp factors Required is 75 Borrower has 64.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 778 | 778 Fico, 6 months reserves, low LTV and Low DTI. | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 859893 | xxxxxx D B A | Closed | xxxxxx | 2026-02-11 08:30 | 2026-02-25 19:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Orignator exception applied to non material - finding with comp factors. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached exception - Seller-02/19/2026 <br> Open-Guidelines do not state that xxxxxx 50(a)(6) can utilize a 24 month P&L program as income. Guideline requirements only indicate full doc and personal/business bank statement income is allowed. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Please see attached exception - Seller-02/19/2026 | Waived-Orignator exception applied to non material - finding with comp factors. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.12<br>LTV is less than guideline maximum - Only need 2 comp factors Required is 75 Borrower has 64.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 778 | 778 Fico, 6 months reserves, low LTV and Low DTI. | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 859893 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 15:59 | 2026-02-17 15:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received signed cpa letter. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. See attached CPA letter - Seller-02/13/2026 <br> Open-Borrower 1 CPA Letter Missing CPA letter provided on January 19, 2026 is missing a signature-this letter serves as the prior to close VOE. Verification Business is active and in good standing 10 days prior to closing - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. See attached CPA letter - Seller-02/13/2026 | Resolved-Received signed cpa letter. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.12<br>LTV is less than guideline maximum - Only need 2 comp factors Required is 75 Borrower has 64.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 778 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859894 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 23:57 | 2026-02-18 12:46 | 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-02/12/2026 <br> Ready for Review-Document Uploaded. Please see the xxxxxx report date xxxxxx-page 44 Monitor start date xxxxxx End Date xxxxxx - Seller-02/11/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Please see the xxxxxx report date xxxxxx-page 44 Monitor start date xxxxxx End Date xxxxxx - Seller-02/11/2026 | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-02/12/2026<br>| Credit history exceeds minimum required - Credit History = 369 Months Minimum Credit History = 24 Months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6,673.48; minimum required NONE |  | 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 |
| 859894 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 23:57 | 2026-02-18 12:46 | 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-02/12/2026 <br> Ready for Review-Document Uploaded. Please see the xxxxxx report date xxxxxx-page 44 Monitor start date xxxxxx End Date xxxxxx - Seller-02/11/2026 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Please see the xxxxxx report date xxxxxx-page 44 Monitor start date xxxxxx End Date xxxxxx - Seller-02/11/2026 | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-02/12/2026<br>| Credit history exceeds minimum required - Credit History = 369 Months Minimum Credit History = 24 Months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6,673.48; minimum required NONE |  | 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 |
| 859894 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 23:07 | 2026-02-12 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Business License and Operating Agreement. Review of Guideline 8.2.8.3 indicate no verification or income analysis for DSCR program - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. CPA Letter is not required the borrower is the Sole Member and 100% owner. Per guidelines page 61 8.2.1.2 Acceptable verification includes a Business License OR by providing a CPA, Tax Attorney, IRS Enrolled Agent, or xxxxxx Letter - Seller-02/11/2026 <br> Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. CPA Letter is not required the borrower is the Sole Member and 100% owner. Per guidelines page 61 8.2.1.2 Acceptable verification includes a Business License OR by providing a CPA, Tax Attorney, IRS Enrolled Agent, or xxxxxx Letter - Seller-02/11/2026 | Resolved-Received Business License and Operating Agreement. Review of Guideline 8.2.8.3 indicate no verification or income analysis for DSCR program - Due Diligence Vendor-02/12/2026<br>| Credit history exceeds minimum required - Credit History = 369 Months Minimum Credit History = 24 Months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6,673.48; minimum required NONE |  | 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 |
| 859895 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 12:36 | 2026-03-02 13:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received updated 1003 and 1008 - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. see attached corrected 1003 signed by the borrower - Seller-02/27/2026 <br>Counter-additional docs to be uploaded per lender - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Attached is the CPA Letter 25% factor (pending the corrected 1008 and 1003) - Seller-02/25/2026 <br>Counter-Received business bank statement analysis reflecting 25% expense factor. CPA letter does not reflect 25% expense factor. 1008 and 1003 reflect qualifying income of $9,899.54. Original finding remains. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. see attached supporting docs, income worksheet, LOE from accountant. DTI is 42.196 - Seller-02/21/2026 <br>Open-Audited DTI of 63.29% exceeds Guideline DTI of 55% 55% max DTI with 24 months bank statements, traditional Full-Doc, and LTV's up to 80% - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. see attached corrected 1003 signed by the borrower - Seller-02/27/2026 <br>Ready for Review-Document Uploaded. Attached is the CPA Letter 25% factor (pending the corrected 1008 and 1003) - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. see attached supporting docs, income worksheet, LOE from accountant. DTI is 42.196 - Seller-02/21/2026<br>| Resolved-Received updated 1003 and 1008 - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 763 Required is 620 Borrower has 763<br>Months Reserves exceed minimum required - Minimum reserves = 0 The borrower has reserves = 21.45 months<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 42.2 |  | 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 |
| 859895 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 11:14 | 2026-02-26 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Fraud Report with Undisclosed Debt Monitoring with no new debt disclosed. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. see attached full fraud report last scored on 2/20 - Seller-02/25/2026 <br> Counter-Received fraud report screen shot scored 2/20. Please provide full report for UDM review. Received fraud report scored 1/30/2026 previously. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. The xxxxxx was originally ran on xxxxxx, which is the date reflected for the UDM. we cannot update UDM date. We checked other loans and they are also reflecting the First Scored On Date for the UDM. - Seller-02/21/2026 <br> Counter-Received fraud report that indicate "current order dated xxxxxx", which is 12 days prior to closing date. Please provide updated order request. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. please see page 28 undisclosed debt monitoring start date xxxxxx. end date xxxxxx - Seller-02/14/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Loan file missing a gap credit report, dated within 10 days of the closing date. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. see attached full fraud report last scored on 2/20 - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. The xxxxxx was originally ran on xxxxxx, which is the date reflected for the UDM. we cannot update UDM date. We checked other loans and they are also reflecting the First Scored On Date for the UDM. - Seller-02/21/2026 <br> Ready for Review-Document Uploaded. please see page 28 undisclosed debt monitoring start date xxxxxx. end date xxxxxx - Seller-02/14/2026 | Resolved-Received Fraud Report with Undisclosed Debt Monitoring with no new debt disclosed. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 763 Required is 620 Borrower has 763<br>Months Reserves exceed minimum required - Minimum reserves = 0 The borrower has reserves = 21.45 months<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 42.2 |  | 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 |
| 859895 | xxxxxx D A | Closed | xxxxxx | 2026-02-06 14:33 | 2026-02-24 15:30 | 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-02/24/2026 <br>Ready for Review-Document Uploaded. please see attached copy of the recorded DOT with the legal description. - Seller-02/23/2026 <br>Counter-Received Legal Description. Please provide chain to confirm legal recorded with Deed of Trust. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. see attached legal description - Seller-02/13/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached property legal description - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. please see attached copy of the recorded DOT with the legal description. - Seller-02/23/2026 <br>Ready for Review-Document Uploaded. see attached legal description - Seller-02/13/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 763 Required is 620 Borrower has 763<br>Months Reserves exceed minimum required - Minimum reserves = 0 The borrower has reserves = 21.45 months<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 42.2 |  | 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 |
| 859895 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 11:15 | 2026-02-18 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Party Fraud Report - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. see attached fraud report - Seller-02/17/2026 <br>Open-Missing Third Party Fraud Report The loan file is missing a fraud report, OFAC Check Not Completed and/or Cleared, All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. see attached fraud report - Seller-02/17/2026<br>| Resolved-Received Party Fraud Report - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 763 Required is 620 Borrower has 763<br>Months Reserves exceed minimum required - Minimum reserves = 0 The borrower has reserves = 21.45 months<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 42.2 |  | 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 |
| 859895 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 15:11 | 2026-02-18 15:12 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Party Fraud Report - Due Diligence Vendor-02/18/2026 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-02/18/2026 |  | Resolved-Received Party Fraud Report - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 763 Required is 620 Borrower has 763<br>Months Reserves exceed minimum required - Minimum reserves = 0 The borrower has reserves = 21.45 months<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 42.2 |  | 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 |
| 859895 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 15:11 | 2026-02-18 15:12 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Received Party Fraud Report - Due Diligence Vendor-02/18/2026 <br>Open-Potential Fraud Reflected on Fraud Report - Due Diligence Vendor-02/18/2026 |  | Resolved-Received Party Fraud Report - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 763 Required is 620 Borrower has 763<br>Months Reserves exceed minimum required - Minimum reserves = 0 The borrower has reserves = 21.45 months<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 42.2 |  | 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 |
| 859897 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859943 | xxxxxx C A | Closed | xxxxxx | 2026-02-19 15:40 | 2026-02-26 11:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-02/26/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). \*Coverage not provided. - Due Diligence Vendor-02/19/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.09 Required is 50 Borrower has 34.09<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.06 Required is 70 Borrower has 63.06<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 681 Required is 660 Borrower has 681 |  | 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 |
| 859945 | xxxxxx C A | Closed | xxxxxx | 2026-02-20 11:54 | 2026-02-26 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. Audited Reserves of 20.97 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Attached is the retirement account statement for the reserves. - Seller-02/24/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) No assets provided in file other than Gift Letter and escrow receipt for $44,738.08. Borrower is still short funds for closing and reserves. Final 1003 reflects higher gift amount. However, no document in file to support this gift amount. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Attached is the retirement account statement for the reserves. - Seller-02/24/2026<br>| Resolved-Received additional assets. Audited Reserves of 20.97 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-02/26/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 62.61<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 |
| 859945 | xxxxxx C A | Closed | xxxxxx | 2026-02-20 11:41 | 2026-02-26 15:34 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Uploading the PCCD and final closing statement to show that file was not short to close. - Seller-02/24/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-980.62'. Assets are Insufficient. No assets provided in file other than Gift Letter for $44,738.08. Borrower is still short funds for closing and/or reserves. Final 1003 reflects higher gift amount. However, no document in file to support this gift amount. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Uploading the PCCD and final closing statement to show that file was not short to close. - Seller-02/24/2026<br>| Resolved-Received PCCD - Due Diligence Vendor-02/26/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 62.61<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | 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 |
| 859951 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859970 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859975 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859984 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 10:45 | 2026-02-20 13:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Received copy of service provider list showing title payee's as non affiliates. Finding Resolved. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. Please see attached WSSPL - Seller-02/20/2026 <br>Counter------Per regulation § 1024.15, an affiliated business arrangement disclosure is required for all owner occupied loans. Finding remains. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-not required as the loan is rate & term and it is owner occupied - Seller-02/19/2026 <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-02/11/2026 | Ready for Review-Document Uploaded. Please see attached WSSPL - Seller-02/20/2026 <br>Ready for Review-not required as the loan is rate & term and it is owner occupied - Seller-02/19/2026<br>| Resolved-----Received copy of service provider list showing title payee's as non affiliates. Finding Resolved. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 7.09<br>LTV is less than guideline maximum - Required is 85 Borrower has 77.45 |  | 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 |
| 859986 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859999 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860005 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860083 | xxxxxx C A | Closed | xxxxxx | 2026-02-23 14:22 | 2026-03-04 10:17 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-ATR has been met. - Due Diligence Vendor-03/04/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending receipt of additional asset statements. - Due Diligence Vendor-02/24/2026 |  | Resolved-ATR has been met. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - DTI is 45% and max allowed is 50% Required is 50 Borrower has 45<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 685 and minimum allowed is 660. Required is 660 Borrower has 685 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860083 | xxxxxx C A | Closed | xxxxxx | 2026-02-23 14:27 | 2026-03-04 10:16 | 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 additional assets. Audited Reserves of 4.03 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Please review assets again. xxxxxx xxxxxx has balance of $215,990.08 (after sending $215K to escrow, ending balance would be $990.08). xxxxxx xxxxxx has balance of $28,027.94. Refund of $1,032.50 given back to borrower. Total post close assets $30,050.52. - Buyer-03/04/2026 <br> Counter-Received PCCD reflecting borrowers deposits and gift of equity. 4 months required reserves remain short by $27,814.58. - Due Diligence Vendor-02/26/2026 <br> Open-Audited Reserves of 0.19 month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient assets to support total reserves required. - Due Diligence Vendor-02/23/2026 |  | Resolved-Upon further review, the loan file contained additional assets. Audited Reserves of 4.03 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - DTI is 45% and max allowed is 50% Required is 50 Borrower has 45<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 685 and minimum allowed is 660. Required is 660 Borrower has 685 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860134 | xxxxxx C A | Closed | xxxxxx | 2026-02-17 17:19 | 2026-02-18 16:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the file contains a lease and 2 months of bank statements showing rents paid, which meets AUS requirements. - Due Diligence Vendor-02/18/2026 <br> Open-Housing History Does Not Meet Guideline Requirements A search of the loan file shows a VOR for the borrower's primary residence is missing in the amount of $3,046. - Due Diligence Vendor-02/17/2026 |  | Resolved-After further review, the file contains a lease and 2 months of bank statements showing rents paid, which meets AUS requirements. - Due Diligence Vendor-02/18/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 23 Months Required = 12 months<br>Credit history exceeds minimum required - Credit History = 209 Months Minimum Credit History = 24 Months<br>Verified employment history exceeds guidelines - Borrower has been at employer for 8 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860135 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860252 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860330 | xxxxxx C B A | Closed | xxxxxx | 2026-03-10 11:01 | 2026-03-16 11:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 2.38 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s). After further review, reserves are based on P & I only. - Due Diligence Vendor-03/13/2026 <br>Open-Audited Reserves of 1.87 month(s) are less than Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-03/11/2026 |  | Resolved-Audited Reserves of 2.38 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s). After further review, reserves are based on P & I only. - Due Diligence Vendor-03/13/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $7900 disposable income exceeds $5250<br>On time mortgage history exceeds guideline requirement - Housing History exceeds 0x30x12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860330 | xxxxxx C B A | Closed | xxxxxx | 2026-03-10 08:28 | 2026-03-10 09:44 | 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-03/10/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-03/10/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $7900 disposable income exceeds $5250<br>On time mortgage history exceeds guideline requirement - Housing History exceeds 0x30x12 |  | 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 |
| 860401 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860406 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 09:34 | 2026-02-20 08:58 | 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 Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Crdit Report Fee in section B is payable to Lender/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 - 1 year, expiration date xxxxxx - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved------Received PCCD xxxxxx Finding resolved. - Due Diligence Vendor-02/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.62 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860408 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860410 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 14:23 | 2026-02-20 10:26 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC. - Due Diligence Vendor-02/20/2026 <br>Open-OFAC Check Not Completed and/or Cleared OFAC was not ran for the seller(s), appraiser and appraisal company and mortgage brokers listed on the purchaser contract. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received OFAC. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860410 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 13:47 | 2026-02-20 09:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/20/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $400.00.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 $400 (Appraisal Fee, Collateral Desktop Analysis) 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 $400, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/13/2026 |  | Resolved----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860419 | 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 |  |  |  |
| 860462 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 12:15 | 2026-03-12 12:59 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiries. - Due Diligence Vendor-03/12/2026 <br>Open-LOX for credit inquiries is missing. Provide letter of explanation for credit inquiries. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received credit inquiries. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 730<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.29 |  | 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 |
| 860462 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 16:10 | 2026-03-11 07:32 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxxxxx 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. CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/05/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 730<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.29 |  | 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 |
| 860480 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 17:15 | 2026-03-08 23:25 | 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- to allow for March 2025 rent payment that was not made, only 11 months rental history available. The landlord did not collect rent for that month due to the damage to the building from the xxxxxx. - Due Diligence Vendor-03/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Exception request and approval for missing March 2025 rental payment due to disaster. Landlord did not collect the rent due to building damage from the xxxxxx. 11 month history obtained for rental history. - Due Diligence Vendor-03/06/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors- to allow for March 2025 rent payment that was not made, only 11 months rental history available. The landlord did not collect rent for that month due to the damage to the building from the xxxxxx. - Due Diligence Vendor-03/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.3<br>LTV is less than guideline maximum - Required is 80 Borrower has 53.19<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score Credit Score 10 points > minimum required<br> Reserves Reserves exceed requirement by 2 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 |
| 860487 | 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 |  |  |  |
| 860488 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860489 | xxxxxx D A | Closed | xxxxxx | 2026-02-15 10:44 | 2026-02-26 07:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Received Right of Rescission for co-borrower. Finding Resolved. - Due Diligence Vendor-02/26/2026 <br>Open-Right of Rescission is Partially Provided -----MISSING ROR FOR xxxxxx - Due Diligence Vendor-02/15/2026 |  | Resolved-Received Right of Rescission for co-borrower. Finding Resolved. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 755<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.94<br>LTV is less than guideline maximum - Required is 70 Borrower has 56.67 |  | 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 |
| 860490 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860493 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860494 | xxxxxx C A | Closed | xxxxxx | 2026-02-19 23:04 | 2026-03-02 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received HOA verification. - Due Diligence Vendor-03/02/2026 <br> Counter-Review did not receive upload for HOA. Please re upload. - Due Diligence Vendor-02/27/2026 <br> Counter-Received Master Policy Insurance. Missing validation of HOA. - Due Diligence Vendor-02/26/2026 <br> Counter-Received Note, CD, and HOI. Missing proof of Taxes, and HOA. - Due Diligence Vendor-02/24/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide evidence of Full PITI and HOA for new primary residence located xxxxxx. - Due Diligence Vendor-02/20/2026 |  | Resolved-Received HOA verification. - Due Diligence Vendor-03/02/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 41.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 764<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860495 | xxxxxx C B A | Closed | xxxxxx | 2026-02-15 15:16 | 2026-02-20 10:21 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Appraisal completed prior to note date and impound for HOI and taxes - Due Diligence Vendor-02/20/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> - Due Diligence Vendor-02/15/2026 |  | Waived-Appraisal completed prior to note date and impound for HOI and taxes - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 698 and minimum allowed is 660 Required is 660 Borrower has 698<br>Months Reserves exceed minimum required - Min 4, actual 64.64 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860496 | xxxxxx C B A | Closed | xxxxxx | 2026-02-13 16:34 | 2026-03-02 13:37 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-03/02/2026 <br> Counter------Lender credit is LO Compensation that decreased from $7,600 on the initial CD and decreased to $6,600 on the final with out a COC. - Due Diligence Vendor-02/24/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($6,600.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($7,600.00). 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 $7,600.00 to $6,600.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,000.00, 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-02/13/2026 |  | Resolved-----Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-03/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860496 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 16:57 | 2026-02-20 06:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Waived: Originator waiver applied to non material finding with compensating factors. Short less than .5 months reserves. - Due Diligence Vendor-02/20/2026 <br>Open-Audited Reserves of 3.79 month(s) are less than Guideline Required Reserves of 4 month(s) The borrower is short the required reserves of 4 months. The borrower has verified only 3.79 months. - Due Diligence Vendor-02/18/2026 |  | Waived-Waived: Originator waiver applied to non material finding with compensating factors. Short less than .5 months reserves. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |  | 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 |
| 860501 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860562 | xxxxxx C B A | Closed | xxxxxx | 2026-03-02 13:15 | 2026-03-13 09:35 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Counter-----Received copy of LOE, Check and Shipping Label. Need a copy of the PCCD. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Counter-Documentation provided is insufficient to support reduction in Lender Credit and increased cost to buyer, unable to determine reason for decrease as rate lock transpired on xxxxxx and reduction occurred xxxxxx. Finding remains - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Escalated - Seller-03/04/2026 <br> Counter-Received COC for reversing lender paid fee to borrower paid fee. Provide explanation for reversal. Finding remains. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. There was never a lender credit it was an offsetting credit for xxxxxx comp as we have to do that in xxxxxx loan flipped to xxxxxx and COC is attached. - Seller-03/03/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,500.00). 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 $5,500.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $5,500.00, 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-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Ready for Review-Escalated - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. There was never a lender credit it was an offsetting credit for xxxxxx comp as we have to do that in xxxxxx, loan flipped to xxxxxx and COC is attached. - Seller-03/03/2026 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/13/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 41.67 Required is 70 Borrower has 41.67<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.61 Required is 50 Borrower has 40.61 |  | 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 |
| 860562 | xxxxxx C B A | Closed | xxxxxx | 2026-03-02 11:57 | 2026-03-05 14:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 41.67 Required is 70 Borrower has 41.67<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.61 Required is 50 Borrower has 40.61 |  | 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 |
| 860569 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860578 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860595 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860596 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 15:55 | 2026-03-11 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-03/11/2026 <br>Open-LOX for credit inquiries is missing. Missing credit inquiry letter of explanation for all inquiries within 90 days of the credit pull date. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received LOE. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 63.67 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860661 | xxxxxx D A | Closed | xxxxxx | 2026-02-17 12:31 | 2026-03-11 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM dated xxxxxx. Inquires noted are after Note date of xxxxxx, so no action taken. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. see attached clear fraud report ran 3/10, no new credit inquiries - Seller-03/10/2026 <br> Counter-Received system screenshot. Need Fraud report reflecting update. Fraud report in file is dated 12/12. Finding remains. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see the screen shot of when the Fraud report was uploaded. Loan was funded on xxxxxx No inquires on the UDM - Seller-02/27/2026 <br> Counter-Received duplicate report. Please note the report date is 12/12/25. The report must be resubmitted reflecting a new scored on dated to confirm no new debt within 10 days of closing. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-we cannot change the date on the UDM if there is no material change. If there is no material change the report will still reflect the original order date. The UDM report is good through xxxxxx. - Seller-02/25/2026 <br> Counter-Received UDM reflecting current order date xxxxxx. Please provide UDM with order date within 10 days of closing. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED UDM REPORT, NO NEW CREDIT INQUIRIES . START DATE xxxxxx, END DATE xxxxxx - Seller-02/23/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Credit report required within 10 days of closing is missing. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. see attached clear fraud report ran xxxxxx, no new credit inquiries - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. Please see the screen shot of when the Fraud report was uploaded. Loan was funded on xxxxxx No inquires on the UDM - Seller-02/27/2026 <br> Ready for Review-we cannot change the date on the UDM if there is no material change. If there is no material change the report will still reflect the original order date. The UDM report is good through xxxxxx. - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED UDM REPORT, NO NEW CREDIT INQUIRIES . START DATE xxxxxx, END DATE xxxxxx - Seller-02/23/2026 | Resolved-Received UDM dated 3/10. Inquires noted are after Note date of xxxxxx, so no action taken. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 750<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.95 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860661 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 14:01 | 2026-02-25 09:39 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Not Executed | Resolved-Received executed DOT. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. see attached copy of the recorded deed of trust. the notary page and borrower signature is included - Seller-02/23/2026 <br>Open-The Deed of Trust is Not Executed Missing borrower signature and notary pages - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. see attached copy of the recorded deed of trust. the notary page and borrower signature is included - Seller-02/23/2026<br>| Resolved-Received executed DOT. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 750<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.95 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860661 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 14:01 | 2026-02-25 09:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Executed DOT with all pages. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. please see attached copy of the recorded DOT. pages 17-19 are included. - Seller-02/23/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing pages 17-19 of the Deed of Trust - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. please see attached copy of the recorded DOT. pages 17-19 are included. - Seller-02/23/2026<br>| Resolved-Received Executed DOT with all pages. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 750<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.95 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860663 | xxxxxx D A B | Closed | xxxxxx | 2026-02-17 11:12 | 2026-03-06 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated statement confirming second escrow deposit of $154,025.59. Even though balance is post-close - used it as lower and more conservative. Borrower has sufficient reserves. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please review page 2 - on xxxxxx, the borrower ending balance was 40,288.30 which is the same date on the Note - Seller-03/05/2026 <br> Counter-Received statement dated after Note date of xxxxxx. Finding remains. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/03/2026 <br> Counter-Received Rate Sheet. Comment indicate 3 months are allowed. Borrower have .46. Finding remains. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. See attached CPN Rate sheet 3 mos. are allowed - Seller-02/18/2026 <br> Open-Audited Reserves of 0.46 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please review page 2 - on xxxxxx, the borrower ending balance was 40,288.30 which is the same date on the Note - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/03/2026 <br> Ready for Review-Document Uploaded. See attached CPN Rate sheet 3 mos. are allowed - Seller-02/18/2026 | Resolved-Received updated statement confirming second escrow deposit of $154,025.59. Even though balance is post-close - used it as lower and more conservative. Borrower has sufficient reserves. - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 62.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.76<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860663 | xxxxxx D A B | Closed | xxxxxx | 2026-02-17 10:53 | 2026-02-25 08:59 | 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-02/25/2026 <br> Ready for Review-Document Uploaded. No new inquires - Seller-02/23/2026 <br> Counter-Received UDM page only reflecting current order date xxxxxx. Please provide UDM with order date within 10 days of closing.<br> - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see the attached Monitor Start Date xxxxxx End Date xxxxxx - Seller-02/18/2026 <br> Open-Borrower 1 Gap Credit Report is Missing not provided - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. No new inquires - Seller-02/23/2026 <br> Ready for Review-Document Uploaded. Please see the attached Monitor Start Date xxxxxx End Date xxxxxx - Seller-02/18/2026 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/25/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 62.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.76<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860663 | xxxxxx D A B | Closed | xxxxxx | 2026-02-17 23:45 | 2026-02-25 08:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. See Rent Free Letter - Seller-02/24/2026 <br>Counter-Received Rate Sheet. Rate Sheet indicate a price adjustment for lack of VOM.- 5.5.1 NO HOUSING HISTORY OR LESS THAN 12 MONTHS VERIFIED<br> Borrowers who do not have a complete 12-month housing history are subject to the following restrictions:Ÿ Will comply with the VOM/VOR history on rate sheet and matrices-- Further 4.8.3 Credit requirement. - A 12-month housing history is required.- - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. See Attached Rate Sheet - Seller-02/18/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing Primary Housing History for Borrower 1. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. See Rent Free Letter - Seller-02/24/2026 <br>Ready for Review-Document Uploaded. See Attached Rate Sheet - Seller-02/18/2026<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/25/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 62.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.76<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860663 | xxxxxx D A B | Closed | xxxxxx | 2026-02-10 13:38 | 2026-02-20 11:29 | Resolved | 1 - Information B A | Compliance | Missing Doc | Home Loan Toolkit is Missing | Resolved-Received Home Loan Toolkit disclosure. Finding Resolved. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/18/2026 <br>Open-The Home Loan Toolkit disclosure is missing. The Home Loan Toolkit is missing from the loan doc. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/18/2026<br>| Resolved-Received Home Loan Toolkit disclosure. Finding Resolved. - Due Diligence Vendor-02/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 62.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.76<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860668 | xxxxxx D A | Closed | xxxxxx | 2026-02-15 09:03 | 2026-02-24 10:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing history has been resolved and PITIA for other property. - Due Diligence Vendor-02/24/2026 <br> Counter-Pending Housing history verification. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. No VOM; Per Lock the loan was priced as No VOM so it was not required - Seller-02/19/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide verification of housing history for REO xxxxxx. Provide mortgage statement, proof of taxes and insurance for REO xxxxxx. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. No VOM; Per Lock the loan was priced as No VOM so it was not required - Seller-02/19/2026<br>| Resolved-Housing history has been resolved and PITIA for other property. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 673<br>LTV is less than guideline maximum - Required is 80 Borrower has 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 |
| 860668 | xxxxxx D A | Closed | xxxxxx | 2026-02-17 09:18 | 2026-02-24 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrowers who do not have a complete 12-month housing history are subject to the following restrictions: Will comply with the VOM/VOR history on rate sheet and matrices. Rate lock reflects no VOM. - Due Diligence Vendor-02/24/2026 <br> Counter-Received Lock. Guideline 5.5-MORTGAGE PAYMENT VERIFICATION-xxxxxx requires a mortgage history for its products. Noted property reflect mortgages on 1003. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached lock the loan was priced as NO VOM - Seller-02/19/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide mortgage history for REO xxxxxx, which was the borrower's primary residence 1 month prior to application, to determine mortgage rating. Lender conditioned for VOM as well. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached lock the loan was priced as NO VOM - Seller-02/19/2026<br>| Resolved-Borrowers who do not have a complete 12-month housing history are subject to the following restrictions: Will comply with the VOM/VOR history on rate sheet and matrices. Rate lock reflects no VOM. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 673<br>LTV is less than guideline maximum - Required is 80 Borrower has 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 |
| 860668 | xxxxxx D A | Closed | xxxxxx | 2026-02-15 08:33 | 2026-02-24 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The property has a contract for sale with the PITI documented. - Due Diligence Vendor-02/24/2026 <br> Counter-Received proof of HOA. Missing proof of Taxes and Insurance. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. 1) The tax, HOI and HOA for: xxxxxx: The evidence of the HOA for this property is attached, which is: $70.00 per month. The property has a contract for sale (with private financing), the contract in the file explains that the mortgage payment is: xxxxxx, property tax: xxxxxx per month and the HOI is: $70.00 per month for a total payment of $1,554.99/month<br>- Seller-02/21/2026 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property REO xxxxxx. - Due Diligence Vendor-02/15/2026 | Ready for Review-Document Uploaded. 1) The tax, HOI and HOA for: xxxxxx: The evidence of the HOA for this property is attached, which is: $70.00 per month. The property has a contract for sale (with private financing), the contract in the file explains that the mortgage payment is: xxxxxx, property tax: xxxxxx per month and the HOI is: $70.00 per month for a total payment of $1,554.99/month<br>- Seller-02/21/2026 | Resolved-The property has a contract for sale with the PITI documented. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 673<br>LTV is less than guideline maximum - Required is 80 Borrower has 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 |
| 860668 | xxxxxx D A | Closed | xxxxxx | 2026-02-15 08:52 | 2026-02-24 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Email from title agent confirms that all liens will be paid off and not appear on the final title policy. - Due Diligence Vendor-02/24/2026 <br> Counter-Received Lender message of pending Final Title. Final Title was not attached. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-The email was used as the title date down. I have requested a copy of the Final Title Policy - Seller-02/19/2026 <br> Counter-Received emails dated 1/29 one at 10:50 and 12:36pm. The later email 1/29/26 12:36 PM is asking for proof of items 9, 10, and 12 will be paid. Email indicated an email could be accepted. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. See email - Seller-02/17/2026 <br> Open-Title Document is Incomplete- Missing copy of the Title Supplement reflecting #10 and #12 liens will be omitted from Title. - Due Diligence Vendor-02/15/2026 | Ready for Review-The email was used as the title date down. I have requested a copy of the Final Title Policy - Seller-02/19/2026 <br>Ready for Review-Document Uploaded. See email - Seller-02/17/2026<br>| Resolved-Email from title agent confirms that all liens will be paid off and not appear on the final title policy. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 673<br>LTV is less than guideline maximum - Required is 80 Borrower has 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 |
| 860668 | xxxxxx D A | Closed | xxxxxx | 2026-02-15 09:17 | 2026-02-23 16:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received proof of 1st month and deposit and lease for investment REO. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Income/Employment General. Missing proof of rent deposit for investment rental REO xxxxxx. Required due to rental income used to qualify. - Due Diligence Vendor-02/15/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received proof of 1st month and deposit and lease for investment REO. - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 673<br>LTV is less than guideline maximum - Required is 80 Borrower has 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 |
| 860668 | xxxxxx D A | Closed | xxxxxx | 2026-02-15 08:38 | 2026-02-18 14:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. See attached license for CPA - Seller-02/17/2026 <br> Open-Borrower 1 CPA Letter Missing. Missing current/active license or certification for the preparer to identify tax preparer as a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer. PTIN is not allowed. - Due Diligence Vendor-02/15/2026 | Ready for Review-Document Uploaded. See attached license for CPA - Seller-02/17/2026<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 673<br>LTV is less than guideline maximum - Required is 80 Borrower has 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 |
| 860669 | xxxxxx C A | Closed | xxxxxx | 2026-02-14 12:39 | 2026-02-26 14:04 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-NO LOX FOR CREDIT INQ- Review of Guideline confirm not required. 5.2.4 INQUIRIES Does not need to be addressed. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-our guidelines do not require LOX for multiple credit inquiries. - Seller-02/18/2026 <br>Open-LOX for credit inquiries is missing. Missing Inq LOX - Due Diligence Vendor-02/14/2026 | Ready for Review-our guidelines do not require LOX for multiple credit inquiries. - Seller-02/18/2026<br>| Resolved-NO LOX FOR CREDIT INQ- Review of Guideline confirm not required. 5.2.4 INQUIRIES Does not need to be addressed. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 775<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.23 |  | 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 |
| 860675 | xxxxxx C A | Closed | xxxxxx | 2026-02-24 05:19 | 2026-03-06 15:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Re-reviewed assets. Audited Reserves of 3.63 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/06/2026 <br> Ready for Review-see response provided on 3/5 to duplicate finding - Seller-03/05/2026 <br> Counter-Received proof of $14,000 wire from xxxxxx. Received 40k gift letter. Review of loan file revealed a summary from xxxxxx account reflecting $40k deposit. Missing proof of $43,000 from xxxxxx. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. see attached gift letters - Seller-02/24/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Provide documentation to support gift funds were received at closing. Borrower only deposited $40,000 into her account prior to closing. Additional conditions may apply. - Due Diligence Vendor-02/24/2026 | Ready for Review-see response provided on 3/5 to duplicate finding - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. see attached gift letters - Seller-02/24/2026 | Resolved-Re-reviewed assets. Audited Reserves of 3.63 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.36 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860675 | xxxxxx C A | Closed | xxxxxx | 2026-02-24 05:07 | 2026-03-06 15:56 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Rereviewed Assets. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Again, the $43k gift was changed to only $14k gift and we provided all the documentation for. The $14k is showing on the final closing statement . Per my last note, there was no $43k gift and the total assets ended up being <br> - xxxxxx xxxxxx - xxxxxx - $120,207.79<br> - xxxxxx - xxxxxx - $27,427.74<br> - Gift - $14,000<br> - Seller-03/05/2026 <br> Counter-Received CD highlighting already confirmed 14k. Missing proof of receipt of gift funds from gift letter 2 upload of $43k. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Broker changed the gift at the closing to only $14K. The first $40K gift was for the earnest Money deposit. The total assets are – <br>- xxxxxx xxxxxx - xxxxxx - $120,207.79<br> - xxxxxx - xxxxxx - $27,427.74<br> - Gift - $14,000<br>Total assets are - $161,635.53.<br>Total required assets are $126.231.92 to close + 3 months reserves of $29, 6453.70 = $155,877.62.<br>The $14K gift is showing on the Final Closing Statement (attached) - Seller-03/03/2026<br> Counter-Received proof of $14,000 wire from xxxxxx. Received 40k gift letter. Review of loan file revealed a summary from xxxxxx account reflecting $40k deposit. Missing proof of $43,000 from xxxxxx. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. see attached gift letters. - Seller-02/24/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-4166.32'. Assets are Insufficient. Provide documentation to support gift funds were received at closing. Borrower only deposited $40,000 into her account prior to closing. Additional conditions may apply. - Due Diligence Vendor-02/24/2026 | Ready for Review-Again, the $43k gift was changed to only $14k gift and we provided all the documentation for. The $14k is showing on the final closing statement . Per my last note, there was no $43k gift and the total assets ended up being <br> - xxxxxx xxxxxx - xxxxxx - $120,207.79<br> - xxxxxx - xxxxxx - $27,427.74<br> - Gift - $14,000<br> - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. Broker changed the gift at the closing to only $14K. The first $40K gift was for the earnest Money deposit. The total assets are – <br>- xxxxxx xxxxxx - xxxxxx - $120,207.79<br> - xxxxxx - xxxxxx - $27,427.74<br> - Gift - $14,000<br>Total assets are - $161,635.53.<br>Total required assets are $126.231.92 to close + 3 months reserves of $29, 6453.70 = $155,877.62.<br>The $14K gift is showing on the Final Closing Statement (attached) - Seller-03/03/2026 <br> Ready for Review-Document Uploaded. see attached gift letters. - Seller-02/24/2026 | Resolved-Rereviewed Assets. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.36 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860675 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 15:16 | 2026-03-04 09:09 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Received proof of receipt. Finding Resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. attached final settlement statement and signed CD xxxxxx - Seller-03/03/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxxxxx 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. -----CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx<br> - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. attached final settlement statement and signed CD xxxxxx - Seller-03/03/2026 | Resolved-----Received proof of receipt. Finding Resolved. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.36 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860675 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 15:16 | 2026-03-04 09:09 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received COC for fees. Finding Resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. we dont have any disclosure that reflects a lender credit of $9,581.25, so not sure where that figure came from. However, the COC CD that was disclosed on xxxxxx should cover the reduction in lender credit from $11,475.00 to $8,606.25. see attached, the last page reflects that the COC CD was sent to the borrower on xxxxxx electronically. - Seller-03/03/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($9,581.25) does not exceed or equal the comparable sum of specific and non-specific lender credits ($11,475.00). 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 $11,475.00 to $9,581.25 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,893.75, 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.<br> - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. we dont have any disclosure that reflects a lender credit of $9,581.25, so not sure where that figure came from. However, the COC CD that was disclosed on xxxxxx should cover the reduction in lender credit from $11,475.00 to $8,606.25. see attached, the last page reflects that the COC CD was sent to the borrower on xxxxxx electronically. - Seller-03/03/2026 | Resolved-----Received COC for fees. Finding Resolved. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.36 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860676 | xxxxxx C A | Closed | xxxxxx | 2026-02-12 12:44 | 2026-02-27 08:34 | 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. Finding Resolved. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/25/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. (Credit Report) in section B is payable to Lender/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. Statue of Limitation is 1 year, Expiration dated xxxxxx.<br> - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/25/2026<br>| Resolved-----Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 710 |  | 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 |
| 860677 | 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 |  |  |  |
| 860683 | xxxxxx D A | Closed | xxxxxx | 2026-02-19 14:30 | 2026-03-10 13:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Document Uploaded. xxxxxx is vacant land. There is no HOA or HOI. - Due Diligence Vendor-03/10/2026 <br> Counter-Review of online listings for xxxxxx reveal a monthly HOA. Finding remains. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-This property is vacant land so the HOA/HOI requirement is Not Applicable. - Seller-03/03/2026 <br> Counter-Received HOA for xxxxxx AND xxxxxx. Missing HOI and HOA for xxxxxx. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing some of the REO property expenses. Missing HOA dues for the following properties listed on the final URLA as xxxxxx, and xxxxxx. following properties: <br> xxxxxx<br> xxxxxx<br> xxxxxx<br> xxxxxx<br> xxxxxx<br>- Due Diligence Vendor-02/19/2026 | Ready for Review-This property is vacant land so the HOA/HOI requirement is Not Applicable. - Seller-03/03/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026<br>| Resolved-Document Uploaded. xxxxxx is vacant land. There is no HOA or HOI. - Due Diligence Vendor-03/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860683 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 16:29 | 2026-03-06 13:44 | Resolved | 1 - Information D A | Credit | Eligibility | Borrower1 Signed As Trustee (ONLY) | Resolved-Received re-signed Note with borrowers signing as both Individuals and Trustees.<br> - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. please find a copy of the re-executed Note with the borrower signing as both individual and as co-trustee. lease see the - Seller-03/06/2026 <br> Counter-No document provided. A personal guarantee would e required for both borrowers to satisfy finding. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-If there there are guarantees for both borrowers would this be a non-issue? - Seller-03/02/2026 <br> Counter-If the Note is not executed as an Individual, a personal guarantee would e required for both borrowers - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Per the xxxxxx closing attorney, the loan documents are correct. - Seller-02/24/2026 <br> Open-Borrower1 Signed As Individuals as Trustee Borrower did not sign note individually, only as trustee. Need note to be sign as individually and as a Trustee - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. please find a copy of the re-executed Note with the borrower signing as both individual and as co-trustee. lease see the - Seller-03/06/2026 <br> Ready for Review-If there there are guarantees for both borrowers would this be a non-issue? - Seller-03/02/2026 <br> Ready for Review-Per the xxxxxx closing attorney, the loan documents are correct. - Seller-02/24/2026 | Resolved-Received re-signed Note with borrowers signing as both Individuals and Trustees.<br> - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860683 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 16:29 | 2026-03-06 13:44 | Resolved | 1 - Information D A | Credit | Eligibility | Borrower2 Signed As Trustee (ONLY) | Resolved-Received re-signed Note with borrowers signing as both Individuals and Trustees.<br>- Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. please find a copy of the re-executed Note with the borrower signing as both individual and as co-trustee. - Seller-03/06/2026 <br> Counter-If the Note is not executed as an Individual, a personal guarantee would e required for both borrowers - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Per the xxxxxx closing attorney, the loan documents are correct. - Seller-02/24/2026 <br> Open-Borrower2 Signed As Individuals as Trustee Borrower did not sign note individually, only as trustee. Need note to be sign as individually and as a Trustee - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. please find a copy of the re-executed Note with the borrower signing as both individual and as co-trustee. - Seller-03/06/2026 <br> Ready for Review-Per the xxxxxx closing attorney, the loan documents are correct. - Seller-02/24/2026 | Resolved-Received re-signed Note with borrowers signing as both Individuals and Trustees.<br>- Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860683 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 08:46 | 2026-03-03 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received 1003 for B2. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. See attached 1003 - Seller-02/27/2026 <br>Open-Final 1003 of Borrower 2 was not provided. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. See attached 1003 - Seller-02/27/2026<br>| Resolved-Received 1003 for B2. - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860683 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 14:40 | 2026-03-03 12:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received proof of upload dated 2/9 for VOE. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see screen print of upload - Seller-02/27/2026 <br> Counter-Received internet listing. Unable to confirm date of verification. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. See attached VOE and website page - Seller-02/24/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing VOE required for BP ATR loans. Must be dated within 10 days of funding date. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Please see screen print of upload - Seller-02/27/2026 <br>Ready for Review-Document Uploaded. See attached VOE and website page - Seller-02/24/2026<br>| Resolved-Received proof of upload dated 2/9 for VOE. - Due Diligence Vendor-03/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860683 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 14:40 | 2026-03-03 12:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received proof of upload dated 2/9 for VOE. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see screen print of upload - Seller-02/27/2026 <br> Counter-Received internet listing. Unable to confirm date of verification. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE required for BP ATR loans. Must be dated within 10 days of funding date. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Please see screen print of upload - Seller-02/27/2026 <br>Ready for Review-Document Uploaded. - Seller-02/24/2026<br>| Resolved-Received proof of upload dated 2/9 for VOE. - Due Diligence Vendor-03/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860683 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 14:03 | 2026-02-26 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received SOS confirming Business is active. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-02/25/2026 <br> Counter-Received seasoned bylaws. Missing CPA, Tax Attorney, IRS Enrolled Agent, xxxxxx, regulatory agency, or applicable licensing bureau or Secretary of State listing reflecting current year registration. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see by Laws - Seller-02/24/2026 <br> Open-Borrower 1 CPA Letter Missing Missing Ownership percentage of Business, provide CPA Letter or documentation to confirm Business ownership for Borrowers and to confirm Business is active and in good standing. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. See attached - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. Please see by Laws - Seller-02/24/2026<br>| Resolved-Received SOS confirming Business is active. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860683 | xxxxxx D A | Closed | xxxxxx | 2026-02-19 15:03 | 2026-02-25 08:43 | 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-02/25/2026 <br> Ready for Review-Document Uploaded. Please see page 1 of Fraud ran on xxxxxx and page 150 UDM - Seller-02/24/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing a credit refresh/UDM dated within 10 days of closing. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see page 1 of Fraud ran on xxxxxx and page 150 UDM - Seller-02/24/2026 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860683 | xxxxxx D A | Closed | xxxxxx | 2026-02-19 15:18 | 2026-02-25 08:43 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries is present in file or not applicable. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-You do not require a LOX for credit inquiries - Seller-02/23/2026 <br>Open-LOX for credit inquiries is missing. The inquiry letter on page 670-671 is blank - Due Diligence Vendor-02/19/2026 | Ready for Review-You do not require a LOX for credit inquiries - Seller-02/23/2026<br>| Resolved-LOX for credit inquiries is present in file or not applicable. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860687 | 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 |  |  |  |
| 860688 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-20 09:26 | 2026-03-04 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. SEE ATTACHED CLEAR FRAUD REPORT - Seller-03/04/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. SEE ATTACHED CLEAR FRAUD REPORT - Seller-03/04/2026<br>| Resolved-Received Fraud Report - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.25 |  | 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 |
| 860688 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-20 09:37 | 2026-03-04 15:12 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title with corrected coverage. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. see attached corrected title policy - Seller-03/03/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide supplement with correct coverage amount. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. see attached corrected title policy - Seller-03/03/2026<br>| Resolved-Received updated Title with corrected coverage. - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.25 |  | 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 |
| 860688 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-11 14:48 | 2026-03-04 09:20 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/26/2026 <br> Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 3 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx but at least xxxxxx, and the transaction's total points and fees is xxxxxx, which exceeds xxxxxx; orThe loan amount is less than xxxxxx but at least xxxxxx, 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 but at least xxxxxx, and the transaction's total points and fees is xxxxxx, which exceeds xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds 8 percent of the total loan amount of xxxxxx - Due Diligence Vendor-02/11/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/26/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.25 |  | 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 |
| 860688 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-11 14:48 | 2026-03-04 09:20 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-High priced NonQM - Seller-02/24/2026 <br>Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 7.957%. The APR threshold to qualify for a safe harbor is 7.640%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-02/11/2026 | Ready for Review-High priced NonQM - Seller-02/24/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/26/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.25 |  | 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 |
| 860688 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-11 14:48 | 2026-03-04 09:20 | Resolved | 1 - Information C A | Compliance | Points & Fees | GSE (xxxxxx public guidelines) QM Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/26/2026 <br>Open-This loan failed the QM points and fees test. (xxxxxx Bulletin 2013-16)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to xxxxxx. - Due Diligence Vendor-02/11/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/26/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.25 |  | 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 |
| 860688 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-11 14:48 | 2026-03-04 09:20 | Resolved | 1 - Information C A | Compliance | Points & Fees | GSE (xxxxxx public guidelines) QM Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/26/2026 <br>Open-This loan failed the QM points and fees test. (xxxxxx Announcement 2013-06)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to xxxxxx. - Due Diligence Vendor-02/11/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/26/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.25 |  | 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 |
| 860688 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-12 11:10 | 2026-03-04 09:20 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Received signed CD xxxxxx. Finding Resolved<br> - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Revised CD from xxxxxx was received on xxxxxx by the borrower. Consummation date was xxxxxx. Revised CD was received at least 3 business days prior to consummation. See attached. - Seller-03/02/2026 <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:"xxxxxx 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-02/12/2026 | Ready for Review-Document Uploaded. Revised CD from xxxxxx was received on xxxxxx by the borrower. Consummation date was xxxxxx. Revised CD was received at least 3 business days prior to consummation. See attached. - Seller-03/02/2026 | Resolved-Received signed CD xxxxxx. Finding Resolved<br> - Due Diligence Vendor-03/03/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 73.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.25 |  | 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 |
| 860688 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-12 11:10 | 2026-03-04 09:20 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. attached is the PCCD, check , LOE and xxxxxx label - Seller-03/03/2026 <br> Counter----We wait for the PCCD, check, LOE and shipping Label. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Total cure of $422.50 is required ($225.00 for xxxxxx docs fee & xxxxxx for transfer taxes). Doc CD reflects lender cure of $225.00. Requesting check for remaining cure of xxxxxx. Will provide revised CD, LOE, copy of check, & fed ex label once received from acounting. - Seller-03/02/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $422.50.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). - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. attached is the PCCD, check , LOE and xxxxxx label - Seller-03/03/2026 <br> Ready for Review-Document Uploaded. - Total cure of $422.50 is required ($225.00 for xxxxxx docs fee & xxxxxx for transfer taxes). Doc CD reflects lender cure of $225.00. Requesting check for remaining cure of xxxxxx. Will provide revised CD, LOE, copy of check, & fed ex label once received from acounting. - Seller-03/02/2026 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/04/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 73.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.25 |  | 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 |
| 860688 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-12 11:10 | 2026-03-04 09:20 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Total cure of $422.50 is required ($225.00 for xxxxxx docs fee & xxxxxx for transfer taxes). Doc CD reflects lender cure of $225.00. Requesting check for remaining cure of xxxxxx. see attached the post-consummation CD, LOE, xxxxxx label, and check - Seller-03/02/2026 <br> Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $225.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $422.50.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Total cure of $422.50 is required ($225.00 for xxxxxx docs fee & xxxxxx for transfer taxes). Doc CD reflects lender cure of $225.00. Requesting check for remaining cure of xxxxxx. see attached the post-consummation CD, LOE, xxxxxx label, and check - Seller-03/02/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.25 |  | 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 |
| 860688 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-12 09:20 | 2026-02-27 15:50 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded Mortgage w/Legal. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. please see attached copy of the recorded DOT with legal description - Seller-02/26/2026 <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-02/12/2026 | Ready for Review-Document Uploaded. please see attached copy of the recorded DOT with legal description - Seller-02/26/2026<br>| Resolved-Received Recorded Mortgage w/Legal. - Due Diligence Vendor-02/27/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.25 |  | 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 |
| 860690 | xxxxxx C A | Closed | xxxxxx | 2026-02-23 11:18 | 2026-02-25 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/25/2026 <br> Ready for Review-11.8.4 DEFERRED MAINTENANCE<br> Property must be in average or better condition. Properties in C5 or C6 condition are not acceptable. <br> Deferred maintenance is allowed provided the neglected item is not structural in nature (as noted by the <br> appraiser). Deferred items may be left "as is" if the aggregate cost to cure the deficiency does not exceed. <br> $2,500 or impact the safety or habitability of the property.<br>From this Appraisal:<br>Cost to Cure The appraiser estimates a cost to cure of approximately $500 to xxxxxx. No apparent health or safety concerns were observed at the time of inspection. This estimate is based on the appraiser's personal experience and is not a formal contractor or professional repair estimate. Given the minimal nature of the repair, the cost to cure is considered negligible and does not warrant an adjustment in the Sales Comparison Approach.<br>Since the aggregate cost to cure did not exceed $2500, no further steps were required.<br> - Seller-02/24/2026 <br> Open-Property Issues are identified for the property Appraisal reflects several repairs required. Subject rear photo reflects no xxxxxx does not appear to be fully installed. Covered patio photo reflects several tile pieces missing from flooring. The Garage interior photo reflects xxxxxx. xxxxxx Shed photo reflects xxxxxx. Deferred Maintenance reflects xxxxxx. Property does not reflect average condition due to xxxxxx. Appraiser to provide commentary with photos that xxxxxx. - Due Diligence Vendor-02/23/2026 | Ready for Review-11.8.4 DEFERRED MAINTENANCE<br> Property must be in average or better condition. Properties in C5 or C6 condition are not acceptable. <br> Deferred maintenance is allowed provided the neglected item is not structural in nature (as noted by the <br> appraiser). Deferred items may be left "as is" if the aggregate cost to cure the deficiency does not exceed. <br> $2,500 or impact the safety or habitability of the property.<br>From this Appraisal:<br>Cost to Cure The appraiser estimates a cost to cure of approximately $500 to xxxxxx. No apparent health or safety concerns were observed at the time of inspection. This estimate is based on the appraiser's personal experience and is not a formal contractor or professional repair estimate. Given the minimal nature of the repair, the cost to cure is considered negligible and does not warrant an adjustment in the Sales Comparison Approach.<br>Since the aggregate cost to cure did not exceed $2500, no further steps were required.<br> - Seller-02/24/2026 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 722<br>LTV is less than guideline maximum - Required is 80 Borrower has 47.24 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860692 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860693 | xxxxxx C A | Closed | xxxxxx | 2026-02-12 12:19 | 2026-03-10 07:22 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-----Received LE and COC showing Lock. Finding Resolved. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. please see attached revised LE - Seller-03/06/2026 <br> Counter------Rate lock in file shows xxxxxx. LE for xxxxxx reflect not locked. Please provide a LE within 3 days of the Lock of xxxxxx. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. see attached CD with date xxxxxx - Seller-02/26/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, xxxxxx and xxxxxx -----Provide LE/CD dated within three business days after the interest rate was locked. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. please see attached revised LE - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. see attached CD with date xxxxxx - Seller-02/26/2026 | Resolved-----Received LE and COC showing Lock. Finding Resolved. - Due Diligence Vendor-03/10/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 53.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 639 |  | 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 |
| 860693 | xxxxxx C A | Closed | xxxxxx | 2026-02-12 12:19 | 2026-03-06 10:20 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED COC AND CD DATED xxxxxx - Seller-03/05/2026 <br> Counter-Received CD and COC xxxxxx. Discount points increase on final CD xxxxxx without a COC. Please provide a COC for that increase or evidence of refund to borrower or principal reduction in the amount of $829.70, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. attached is the CD send to the borrower on xxxxxx, to clear the points being increased. <br>- Seller-02/26/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $829.70.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 $829.70 (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 $829.70, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. SEE ATTACHED COC AND CD DATED xxxxxx - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. attached is the CD send to the borrower on xxxxxx, to clear the points being increased. <br>- Seller-02/26/2026 | Resolved-----Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/06/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 53.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 639 |  | 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 |
| 860705 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 10:27 | 2026-03-11 08:55 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Review of deposits confirms deposits are consistant and are not a single deposit. Deposits are related to ther borrowers business. - Due Diligence Vendor-03/11/2026 <br>Counter-Received guidelines. Large deposits must be addressed to meet guideline 10.3.3. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-the "single unexplained" deposits are all consistent and are related to her business. refer back to the snip of guidelines, this guideline is SPECIFIC TO SINGLE UNEXPLAINED DEPOSITS, these deposits are normal to her business account. - Seller-03/06/2026 <br>Counter-Received snip of guideline. Guideline confirms " unexplained deposits", this would confirm any single deposit more than 50% of borrowers gross income. Finding remains. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Based on our guidelines we don't need to source since the guidelines state specifically "documentation should be obtained for single, unexplained deposits".<br> The fact that there are multiple deposits of virtually the same amount does not meet the definition of the written guideline. see attached screenshot of the section in our guidelines that states this. <br> - Seller-03/02/2026 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Large Deposits not sourced from Brokerage: 1/16 $20k, 1/16 $15k, 1/22 $15k, 11/4 $15k, 11/7 $20k - Due Diligence Vendor-02/25/2026 | Ready for Review-the "single unexplained" deposits are all consistent and are related to her business. refer back to the snip of guidelines, this guideline is SPECIFIC TO SINGLE UNEXPLAINED DEPOSITS, these deposits are normal to her business account. - Seller-03/06/2026 <br> Ready for Review-Based on our guidelines we don't need to source since the guidelines state specifically "documentation should be obtained for single, unexplained deposits".<br> The fact that there are multiple deposits of virtually the same amount does not meet the definition of the written guideline. see attached screenshot of the section in our guidelines that states this. <br> - Seller-03/02/2026 | Resolved-Review of deposits confirms deposits are consistant and are not a single deposit. Deposits are related to ther borrowers business. - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.77<br>LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 778 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860705 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 10:27 | 2026-03-11 08:55 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Review of deposits confirms deposits are consistant and are not a single deposit. Deposits are related to ther borrowers business. - Due Diligence Vendor-03/11/2026 <br>Counter-Received guidelines. Large deposits must be addressed to meet guideline 10.3.3. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-this is a waterfall condition. the "single unexplained" deposits are all consistent and are related to her business. refer back to the snip of guidelines, this guideline is SPECIFIC TO SINGLE UNEXPLAINED DEPOSITS, these deposits are normal to her business account. - Seller-03/06/2026 <br>Counter-Received snip of guideline. Guideline confirms " unexplained deposits", this would confirm any single deposit more than 50% of borrowers gross income. Finding remains. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Based on our guidelines we don't need to source since the guidelines state specifically "documentation should be obtained for single, unexplained deposits".<br> The fact that there are multiple deposits of virtually the same amount does not meet the definition of the written guideline. see attached screenshot of the section in our guidelines that states this. <br>- Seller-03/02/2026 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Large Deposits not sourced from Investor Checking: 1/8 $15k, 11/27 $15K - Due Diligence Vendor-02/25/2026 | Ready for Review-this is a waterfall condition. the "single unexplained" deposits are all consistent and are related to her business. refer back to the snip of guidelines, this guideline is SPECIFIC TO SINGLE UNEXPLAINED DEPOSITS, these deposits are normal to her business account. - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. Based on our guidelines we don't need to source since the guidelines state specifically "documentation should be obtained for single, unexplained deposits".<br> The fact that there are multiple deposits of virtually the same amount does not meet the definition of the written guideline. see attached screenshot of the section in our guidelines that states this. <br>- Seller-03/02/2026<br>| Resolved-Review of deposits confirms deposits are consistant and are not a single deposit. Deposits are related to ther borrowers business. - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.77<br>LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 778 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860705 | xxxxxx C B A | Closed | xxxxxx | 2026-02-20 12:10 | 2026-03-03 07:31 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. <br> Please find the post consummation CD and LOE attached as well as the check and proof of delivery - Seller-03/02/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,684.61). 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 $1,684.61 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,684.61, 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.<br> - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. <br> Please find the post consummation CD and LOE attached as well as the check and proof of delivery - Seller-03/02/2026<br>| Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-03/03/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.77<br>LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 778 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860708 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 11:44 | 2026-03-06 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. see attached VOE from tax preparer dated xxxxxx. we did not disburse until xxxxxx after we received the VOE. - Seller-03/05/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines. section 8.2.1.3, state verification that business is active and in good standing 10 days prior to closing. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. see attached VOE from tax preparer dated xxxxxx. we did not disburse until xxxxxx after we received the VOE. - Seller-03/05/2026 | Resolved-Received VOE. - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860708 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 11:53 | 2026-03-06 16:03 | 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-03/06/2026 <br>Ready for Review-Document Uploaded. see page 26 of the attached fraud report. this is the UDM, no new inquiries. - Seller-03/05/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Guidelines, section 5.2.6, state a gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of closing. Gap Credit is dated 01/15/2026. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. see page 26 of the attached fraud report. this is the UDM, no new inquiries. - Seller-03/05/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860708 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 06:27 | 2026-03-06 16:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud Report w/All Fraud Report Alerts cleared - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. see attached clear xxxxxx - Seller-03/05/2026 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. see attached clear xxxxxx - Seller-03/05/2026<br>| Resolved-Received Fraud Report w/All Fraud Report Alerts cleared - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860712 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 16:27 | 2026-03-04 17:31 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-This guideline only applies when only 2 bureaus are reporting. All three bureaus are reporting. - Due Diligence Vendor-03/04/2026 <br>Counter-Pending tradeline finding. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. The borrower has 3 credit Bureaus Reporting per the Tradeline requirement does not apply - Seller-02/27/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for tradelines. <br> - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. The borrower has 3 credit Bureaus Reporting per the Tradeline requirement does not apply - Seller-02/27/2026<br>| Resolved-This guideline only applies when only 2 bureaus are reporting. All three bureaus are reporting. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 15.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 722<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860712 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 16:03 | 2026-03-04 17:31 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-This guideline only applies when only 2 bureaus are reporting. All three bureaus are reporting. - Due Diligence Vendor-03/04/2026 <br>Counter-Review of credit report confirmed only 1 valid tradeline. The self reported tradelines could not be counted as a valid tradeline nor do they meet balance requirements. The authorized user account does not count as a borrower tradeline. Finding remains. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. The borrower has 3 Credit Bureaus Reporting the Tradelines do not apply. Per the Lock we did not require a VOM or VOR - Seller-02/27/2026 <br>Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Per 5.4 tradelines are determined based on Loan Amount and LTV. Borrower has 1 valid trade with xxxxxx only. xxxxxx is an authorized user account which cannot be considered a valid trade for the borrower without 12-month history of the borrower paying the account. The other 2 trades are Self-Reported Utilities which are non-traditional credit. Neither have a min credit limit of $500 and non-traditional tradelines do not appear to be acceptable in the Tier (borrower also lacks a VOM/VOR). Additional findings may apply. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. The borrower has 3 Credit Bureaus Reporting the Tradelines do not apply. Per the Lock we did not require a VOM or VOR - Seller-02/27/2026 | Resolved-This guideline only applies when only 2 bureaus are reporting. All three bureaus are reporting. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 15.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 722<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860712 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 15:56 | 2026-03-03 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached screenprint the doc was uploaded on 02/13/2026 - Seller-02/27/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verification Business is active and in good standing 10 days prior to closing as required per 8.2.1.3. Secretary of State printout provided has no date. Auditor is unable to determine if obtained within required time period. Additional findings may apply. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached screenprint the doc was uploaded on 02/13/2026 - Seller-02/27/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/03/2026<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 15.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 722<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860752 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860755 | xxxxxx B A | Closed | xxxxxx | 2026-02-23 13:45 | 2026-02-23 13:45 | 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-02/23/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.77 Required is 49.99 Borrower has 39.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700 Required is 680 Borrower has 700 |  | 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 |
| 860770 | xxxxxx D A C | Closed | xxxxxx | 2026-03-02 14:02 | 2026-03-04 10:12 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Upon further review, the loan file contained all required fraud alert clearance documentation. - Due Diligence Vendor-03/04/2026 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated report showing all high alerts cleared. - Due Diligence Vendor-03/02/2026 |  | Resolved-Upon further review, the loan file contained all required fraud alert clearance documentation. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.83 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860770 | xxxxxx D A C | Closed | xxxxxx | 2026-03-02 08:39 | 2026-03-03 10:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/03/2026 <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-03/02/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.83 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860793 | xxxxxx C A | Closed | xxxxxx | 2026-02-24 13:39 | 2026-03-03 12:55 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Upon further review, no issue with borrower signature on legal documents. - Due Diligence Vendor-03/03/2026 <br> Counter-Note and Mortgage provided, however they are undersigned. Borrower signed with first name only. - Due Diligence Vendor-03/02/2026 <br> Counter-Note and Deed are undersigned, please provide fully executed documents - Due Diligence Vendor-02/26/2026 <br> Open-Title vested in "xxxxxx" - both the Note and Security Agreement signed xxxxxx (borrower did not sign last name). - Due Diligence Vendor-02/24/2026 |  | Resolved-Upon further review, no issue with borrower signature on legal documents. - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 67.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.78<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768 |  | 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 |
| 860804 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 09:25 | 2026-03-03 10:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/03/2026 <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-03/02/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 752 Required is 680 Borrower has 752<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.57 Required is 50 Borrower has 37.57 |  | 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 |
| 860834 | xxxxxx C B A | Closed | xxxxxx | 2026-02-23 11:50 | 2026-03-03 10:33 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 728 Required is 660 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.67 Required is 49.99 Borrower has 43.67 |  | 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 |
| 860834 | xxxxxx C B A | Closed | xxxxxx | 2026-02-23 10:49 | 2026-02-23 11:18 | 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-02/23/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 728 Required is 660 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.67 Required is 49.99 Borrower has 43.67 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | N/A | xxxxxx |
| 860837 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860843 | xxxxxx B A | Closed | xxxxxx | 2026-03-11 11:14 | 2026-03-11 14:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Waived- Deal is xxxxxx - Client waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Waived- Deal is xxxxxx - Client waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 860846 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 14:22 | 2026-03-16 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review, the guides only require their condo Warranty Form on a warrantable condo. - Due Diligence Vendor-03/16/2026 <br>Counter-Received 1004 with note HOA not in litigation. A Condo questionnaire is required or a CPM. - Due Diligence Vendor-03/13/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-03/05/2026 |  | Resolved-After further review, the guides only require their condo Warranty Form on a warrantable condo. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756<br>Months Reserves exceed minimum required - Min 4, actual 11.96 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860904 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860910 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860914 | xxxxxx C A | Closed | xxxxxx | 2026-03-09 17:29 | 2026-03-23 13:42 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Upon further review, fired in error - Due Diligence Vendor-03/23/2026 <br> Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx. Appraisal dated xxxxxx no PDI in file. - Due Diligence Vendor-03/09/2026 |  | Resolved-Upon further review, fired in error - Due Diligence Vendor-03/23/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 25.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860916 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 12:24 | 2026-03-05 11:08 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received Flood Certificate confirming property not in flood zone dated xxxxxx - Due Diligence Vendor-03/05/2026 <br> Open-Flood Certification Date is greater than xxxxxx Flood Certification Date xxxxxx is greater than Note Date xxxxxx and per CD Disbursement Date xxxxxx<br> - Due Diligence Vendor-02/27/2026 |  | Resolved-Received Flood Certificate confirming property not in flood zone dated xxxxxx - Due Diligence Vendor-03/05/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860917 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860927 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860960 | xxxxxx C A | Closed | xxxxxx | 2026-03-09 08:58 | 2026-03-12 12:06 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-03/12/2026 <br>Open-Missing e-Consent. Missing e-Consent - Due Diligence Vendor-03/09/2026 |  | Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790 Required is 700 Borrower has 790<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.02 Required is 50 Borrower has 40.02 |  | 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 |
| 861102 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861103 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 12:32 | 2026-03-06 11:24 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Upon further review, wire receipt was located in the loan file. - Due Diligence Vendor-03/06/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements The borrower received a gift in the amount of $186,340. Proof of funds transferred at time of closing was missing from the loan file. - Due Diligence Vendor-03/04/2026 |  | Resolved-Upon further review, wire receipt was located in the loan file. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861113 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861318 | xxxxxx C A | Closed | xxxxxx | 2026-02-28 14:31 | 2026-03-04 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud Report reflecting all parties searched. - Due Diligence Vendor-03/04/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing spouse not on exclusionary list - Due Diligence Vendor-02/28/2026 |  | Resolved-Received updated Fraud Report reflecting all parties searched. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.97<br>LTV is less than guideline maximum - Required is 70 Borrower has 47.43<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |  | 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 |
| 861386 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 13:05 | 2026-03-16 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit documentation - Due Diligence Vendor-03/16/2026 <br>Open-LOX for credit inquiries is missing. File does not contain LOX for credit inquiries. - Due Diligence Vendor-03/11/2026 |  | Resolved-Upon further review, the loan file contained all required credit documentation - Due Diligence Vendor-03/16/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 54.97 Required is 70 Borrower has 54.97<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.55 Required is 50 Borrower has 39.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 Required is 680 Borrower has 776 |  | 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 |
| 861387 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 09:49 | 2026-03-13 11:31 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Seller CD provided. - Due Diligence Vendor-03/13/2026 <br>Open-The Final SELLER CD/HUD is missing. Additional findings may apply - Due Diligence Vendor-03/05/2026 |  | Resolved-Seller CD provided. - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861390 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861391 | 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 |  |  |  |
| 861393 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861395 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861396 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 10:57 | 2026-03-09 12:23 | 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-03/09/2026 <br> Open-Missing Mtg St/PITIA for REO (xxxxxx) - Due Diligence Vendor-03/05/2026 |  | Resolved-Received PITIA. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787 Required is 660 Borrower has 787<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.39 Required is 50 Borrower has 41.39 |  | 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 |
| 861397 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861399 | xxxxxx C A | Closed | xxxxxx | 2026-03-02 10:31 | 2026-03-06 11:12 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD. Disbursement date is xxxxxx - Due Diligence Vendor-03/06/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-03/02/2026 |  | Resolved-Received PCCD. Disbursement date is xxxxxx - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.61 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861399 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 16:49 | 2026-03-06 09:58 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-----Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/06/2026 <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. ----- Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-02/27/2026 |  | Resolved-----Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.61 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861400 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 14:59 | 2026-03-12 15:09 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Per client: The additional $984 referenced represents a reimbursement to the seller for a listing service payment and is not a settlement charge related to the mortgage transaction. This amount did not represent a borrower closing cost or lender fee and therefore was not required to be disclosed on the Closing Disclosure. Finding resolved. - Due Diligence Vendor-03/12/2026 <br> Counter-Client Comments - The $984.00 was to pay for the listing service - AUDIT Response - The Listing Service fee was not disclosed on the Final Closing Disclosure. Please provide the PCCD reflecting the charge. Additional Findings may apply. - Due Diligence Vendor-03/09/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements The earnest money was for $5000 however $5984 was sent to seller for listing service payment. This was not a fee that was listed on the CD. - Due Diligence Vendor-03/04/2026 |  | Resolved-Per client: The additional $984 referenced represents a reimbursement to the seller for a listing service payment and is not a settlement charge related to the mortgage transaction. This amount did not represent a borrower closing cost or lender fee and therefore was not required to be disclosed on the Closing Disclosure. Finding resolved. - Due Diligence Vendor-03/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861592 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 12:22 | 2026-03-11 07:43 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $365.63.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 $365.63 Points - Loan Discount Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $365.63, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-03/04/2026 |  | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.97 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861610 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861616 | 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 |  |  |  |
| 861620 | xxxxxx D A | Closed | xxxxxx | 2026-03-06 11:47 | 2026-03-11 07:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-03/11/2026 <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-03/06/2026 |  | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-03/11/2026<br>| Months Reserves exceed minimum required - 6.64 months reserves exceed 4 months minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 716 Required is 660 Borrower has 716 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861620 | xxxxxx D A | Closed | xxxxxx | 2026-03-06 11:26 | 2026-03-11 07:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received copy of final 1003 with ULI on it. Finding Resolved. - Due Diligence Vendor-03/11/2026 <br>Open-The Final 1003 is Incomplete Missing ULI number - Due Diligence Vendor-03/06/2026 |  | Resolved-Received copy of final 1003 with ULI on it. Finding Resolved. - Due Diligence Vendor-03/11/2026 | Months Reserves exceed minimum required - 6.64 months reserves exceed 4 months minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 716 Required is 660 Borrower has 716 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861622 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861623 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861626 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 17:35 | 2026-03-11 10:36 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received appraisal changed to Owner Occupied. - Due Diligence Vendor-03/11/2026 <br> Open-Property Issues are identified for the property Appraisal occupancy shows as vacant; however, evidence from pictures found that property is being owner occupied. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received appraisal changed to Owner Occupied. - Due Diligence Vendor-03/11/2026<br>| Months Reserves exceed minimum required - 16.96 months reserves with 0 required <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707 |  | 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 |
| 861628 | xxxxxx B A | Closed | xxxxxx | 2026-03-04 11:17 | 2026-03-04 12:47 | 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-03/04/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non-material Findings. - Due Diligence Vendor-03/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.37 |  | 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 |
| 861629 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-05 11:47 | 2026-03-09 12:08 | Resolved | 1 - Information C A | Credit | Eligibility | Cash out is more than the maximum allowed per LTV guidelines | Resolved-Upon further review, Cash out guidelines have been met. - Due Diligence Vendor-03/09/2026 <br>Open-The maximum cashout amount for LTV>60% is $750,000. - Due Diligence Vendor-03/05/2026 |  | Resolved-Upon further review, Cash out guidelines have been met. - Due Diligence Vendor-03/09/2026<br>| Months Reserves exceed minimum required - The Borrower has 98.42 months in reserves; 6 Months required<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 39.16%. Required is 50 Borrower has 39.58 |  | 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 |
| 861629 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-04 12:31 | 2026-03-09 07:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received copy of 1003 with ULI #. Finding Resolved. - Due Diligence Vendor-03/09/2026 <br>Open-The Final 1003 is Incomplete Missing ULI number on Final 1003. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received copy of 1003 with ULI #. Finding Resolved. - Due Diligence Vendor-03/09/2026 | Months Reserves exceed minimum required - The Borrower has 98.42 months in reserves; 6 Months required<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 39.16%. Required is 50 Borrower has 39.58 |  | 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 |
| 861629 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-04 11:39 | 2026-03-04 11:39 | 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.<br> - Due Diligence Vendor-03/04/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/04/2026<br>| Months Reserves exceed minimum required - The Borrower has 98.42 months in reserves; 6 Months required<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 39.16%. Required is 50 Borrower has 39.58 |  | 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 |
| 861632 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861634 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861636 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861639 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861642 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861643 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861666 | xxxxxx C B A | Closed | xxxxxx | 2026-02-20 12:42 | 2026-03-11 08:01 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. attached please find the corrected post CD and LOE with the refund to the borrower and proof of delivery for the transfer tax - Seller-03/09/2026 <br> Counter------Received copy of CD xxxxxx already in file. Corrected finding - - Zero (0%) tolerance fees increased by xxxxxx Transfer Taxes without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $583.25, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. There is a lender credit of $195.00 on final CD that is not enough to correct finding. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. We disclosed the Transfer Taxes on the initial CD (attached) and the final inspection was cured by us at time of closing. look at lender credits -$195 - Seller-03/05/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $973.70.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 $973.70 Final Inspection Fee & Transfer Taxes without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $973.70, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. attached please find the corrected post CD and LOE with the refund to the borrower and proof of delivery for the transfer tax - Seller-03/09/2026 <br>Ready for Review-Document Uploaded. We disclosed the Transfer Taxes on the initial CD (attached) and the final inspection was cured by us at time of closing. look at lender credits -$195 - Seller-03/05/2026<br>| Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-03/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.74 Required is 50 Borrower has 16.74<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 Required is 700 Borrower has 798 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861666 | xxxxxx C B A | Closed | xxxxxx | 2026-02-27 05:23 | 2026-03-09 14:14 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received SOS reflecting clear meaning active or good standing. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-A valid license was previously provided, we do not specifically require an SOS so long as there is a valid license from a Government/ Municipality. . - Seller-03/07/2026 <br> Counter-Processor Cert provided stating the borrower runs their own business, however this does not document good standing. Finding remains. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. see attached processor cert, this should satisfy the original finding , funder certified he verified the business within the 10 day rule. - Seller-03/06/2026 <br> Counter-Received business license. Provide confirmation LLC is in good standing with State of xxxxxx - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. see attached updated verification. licensing details show the business is active and in good standing , this was ran 3/4/26 - Seller-03/04/2026 <br> Open-Income and Employment Do Not Meet Guidelines The guidelines, section 8.2.1.3 , require verification that business is active and in good standing 10 days prior to closing. The business print-out, dated 02/06/2026, reflects the business is suspended. The fraud report reflects the suspension as of 11/26/2025. - Due Diligence Vendor-02/27/2026 | Ready for Review-A valid license was previously provided, we do not specifically require an SOS so long as there is a valid license from a Government/ Municipality. . - Seller-03/07/2026 <br> Ready for Review-Document Uploaded. see attached processor cert, this should satisfy the original finding , funder certified he verified the business within the 10 day rule. - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. see attached updated verification. licensing details show the business is active and in good standing , this was ran 3/4/26 - Seller-03/04/2026 | Resolved-Received SOS reflecting clear meaning active or good standing. - Due Diligence Vendor-03/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.74 Required is 50 Borrower has 16.74<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 Required is 700 Borrower has 798 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861666 | xxxxxx C B A | Closed | xxxxxx | 2026-02-27 05:35 | 2026-03-05 16:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. see attached clear fraud report - Seller-03/05/2026 <br>Open-Fraud Report Shows Uncleared Alerts The fraud report reflects uncleared high alerts. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. see attached clear fraud report - Seller-03/05/2026<br>| Resolved-Received fraud report. - Due Diligence Vendor-03/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.74 Required is 50 Borrower has 16.74<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 Required is 700 Borrower has 798 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861668 | xxxxxx C A | Closed | xxxxxx | 2026-03-03 10:30 | 2026-03-05 16:45 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received UDM in lieu of credit inquiries. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. We do not require a lox for credit inquires see the attached UDM - Seller-03/03/2026 <br>Open-LOX for credit inquiries is missing. File does not contain LOX for credit inquiries - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. We do not require a lox for credit inquires see the attached UDM - Seller-03/03/2026<br>| Resolved-Received UDM in lieu of credit inquiries. - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 79.9 Required is 85 Borrower has 79.9<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.89 Required is 50 Borrower has 28.89 |  | 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 |
| 861668 | xxxxxx C A | Closed | xxxxxx | 2026-02-23 11:27 | 2026-03-05 08:10 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-----Received initial Cd xxxxxx. Finding Resolved. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. <br> 1. Initial CD was electronically sent on xxxxxx and esigned on xxxxxx. Consummation date was xxxxxx. <br> • The borrower received and signed the Initial CD on xxxxxx <br> • xxxxxx is three business days prior to the xxxxxx consummation date <br> • TRID requirement is satisfied<br> 2. Rate lock disclosure revised LE test. Rate lock LE was issued on the same day the rate was locked which is well within the 3-business day requirement. This should not have failed. <br>The documents in the file have all the date and time stamps.<br>Also. the corrected CD xxxxxx simply updated values due to the appraised value and did not cause an APR increase beyond tolerance, a product change, or a new prepay penalty, you do not need a new waiting period—the same day corrected CD is compliant.<br> - Seller-03/03/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxxx 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-02/23/2026 | Ready for Review-Document Uploaded. <br> 1. Initial CD was electronically sent on xxxxxx and esigned on xxxxxx. Consummation date was xxxxxx. <br> • The borrower received and signed the Initial CD on xxxxxx <br> • xxxxxx is three business days prior to the xxxxxx consummation date <br> • TRID requirement is satisfied<br> 2. Rate lock disclosure revised LE test. Rate lock LE was issued on the same day the rate was locked which is well within the 3-business day requirement. This should not have failed. <br>The documents in the file have all the date and time stamps.<br>Also. the corrected CD xxxxxx simply updated values due to the appraised value and did not cause an APR increase beyond tolerance, a product change, or a new prepay penalty, you do not need a new waiting period—the same day corrected CD is compliant.<br> - Seller-03/03/2026 | Resolved-----Received initial Cd xxxxxx. Finding Resolved. - Due Diligence Vendor-03/05/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 79.9 Required is 85 Borrower has 79.9<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.89 Required is 50 Borrower has 28.89 |  | 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 |
| 861668 | xxxxxx C A | Closed | xxxxxx | 2026-02-23 13:18 | 2026-03-05 08:10 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received Revised LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. <br> 1. Initial CD was electronically sent on xxxxxx and esigned on xxxxxx. Consummation date was xxxxxx. <br> • The borrower received and signed the Initial CD on xxxxxx <br> • xxxxxx is three business days prior to the xxxxxx consummation date <br> • TRID requirement is satisfied<br> 2. Rate lock disclosure revised LE test. Rate lock LE was issued on the same day the rate was locked which is well within the 3-business day requirement. This should not have failed. <br>The documents in the file have all the date and time stamps.<br>Also. the corrected CD xxxxxx simply updated values due to the appraised value and did not cause an APR increase beyond tolerance, a product change, or a new prepay penalty, you do not need a new waiting period—the same day corrected CD is compliant.<br> - Seller-03/03/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. -----Please provide Intiial Closing Disclosure<br> - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. <br> 1. Initial CD was electronically sent on xxxxxx and esigned on xxxxxx. Consummation date was xxxxxx. <br> • The borrower received and signed the Initial CD on xxxxxx <br> • xxxxxx is three business days prior to the xxxxxx consummation date <br> • TRID requirement is satisfied<br> 2. Rate lock disclosure revised LE test. Rate lock LE was issued on the same day the rate was locked which is well within the 3-business day requirement. This should not have failed. <br>The documents in the file have all the date and time stamps.<br>Also. the corrected CD xxxxxx simply updated values due to the appraised value and did not cause an APR increase beyond tolerance, a product change, or a new prepay penalty, you do not need a new waiting period—the same day corrected CD is compliant.<br> - Seller-03/03/2026 | Resolved-Received Revised LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/05/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 79.9 Required is 85 Borrower has 79.9<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.89 Required is 50 Borrower has 28.89 |  | 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 |
| 861680 | xxxxxx C B A | Closed | xxxxxx | 2026-03-02 07:25 | 2026-03-02 13:00 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator waiver applied to non material finding with comp factors. Taking a 12 month average of the 11 months provided still keeps borrower qualified. - Due Diligence Vendor-03/02/2026 <br>Open-Income and Employment Do Not Meet Guidelines Missing 9/2025 bank statement. Additional findings may apply. - Due Diligence Vendor-03/02/2026 |  | Waived-Originator waiver applied to non material finding with comp factors. Taking a 12 month average of the 11 months provided still keeps borrower qualified. - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 681<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.9 |  | 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 |
| 861684 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 11:25 | 2026-03-05 07:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx AB 260 Higher-Priced Mortgage Loan Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-please rescind this is a high priced mortgage loan. waterfall from higher priced mortgage loan test - Seller-03/04/2026 <br> Open-This loan failed the xxxxxx AB 260 higher-priced mortgage loan test. (xxxxxx Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxxxxx Financial Code.While the xxxxxx Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-02/27/2026 | Ready for Review-please rescind this is a high priced mortgage loan. waterfall from higher priced mortgage loan test - Seller-03/04/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 662<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.39 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861684 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 11:25 | 2026-03-05 07:56 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. see attached final CD which was also included in our credit package , we disagree , our closing costs on the final CD do not match your points and fees - Seller-03/04/2026 <br> Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 3 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx but at least xxxxxx, and the transaction's total points and fees is xxxxxx, which exceeds xxxxxx; orThe loan amount is less than xxxxxx but at least xxxxxx, 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 but at least xxxxxx, and the transaction's total points and fees is xxxxxx, which exceeds xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds 8 percent of the total loan amount of xxxxxx - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. see attached final CD which was also included in our credit package , we disagree , our closing costs on the final CD do not match your points and fees - Seller-03/04/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 662<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.39 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861684 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 11:25 | 2026-03-05 07:56 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-This loan PASSES the QM Price-Based Limit Rule. APR<br> 7.927 is less than the Threshold APOR 8.380 - Seller-03/04/2026 <br> Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 7.913%. The APR threshold to qualify for a safe harbor is 7.630%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-02/27/2026 | Ready for Review-This loan PASSES the QM Price-Based Limit Rule. APR<br> 7.927 is less than the Threshold APOR 8.380 - Seller-03/04/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 662<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.39 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861684 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 11:25 | 2026-03-05 07:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | GSE (xxxxxx public guidelines) QM Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-this is a waterfall , we did not exceed 3% - Seller-03/04/2026 <br>Open-This loan failed the QM points and fees test. (xxxxxx Bulletin 2013-16)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to xxxxxx. - Due Diligence Vendor-02/27/2026 | Ready for Review-this is a waterfall , we did not exceed 3% - Seller-03/04/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 662<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.39 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861684 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 11:25 | 2026-03-05 07:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | GSE (xxxxxx public guidelines) QM Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-this is a duplicate finding , please rescind. - Seller-03/04/2026 <br>Open-This loan failed the QM points and fees test. (xxxxxx Announcement 2013-06)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to xxxxxx. - Due Diligence Vendor-02/27/2026 | Ready for Review-this is a duplicate finding , please rescind. - Seller-03/04/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 662<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.39 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861684 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 11:25 | 2026-03-05 07:55 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. attached is the revised CD with the signed COC, this was included in the TPR package we provided to you. - Seller-03/04/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,960.00.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 $3,960.00 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. attached is the revised CD with the signed COC, this was included in the TPR package we provided to you. - Seller-03/04/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 662<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.39 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861684 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 11:25 | 2026-03-05 07:53 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. waterfall from charges that cannot increase condition. attached is the signed COC. refund n/a - Seller-03/04/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. waterfall from charges that cannot increase condition. attached is the signed COC. refund n/a - Seller-03/04/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 662<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.39 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861684 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 11:25 | 2026-03-05 07:53 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-waterfall from other finding regarding the consummation date or reimbursement date. please rescind. - Seller-03/04/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/27/2026 | Ready for Review-waterfall from other finding regarding the consummation date or reimbursement date. please rescind. - Seller-03/04/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 662<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.39 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861688 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 13:20 | 2026-03-11 11:20 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Taxes, insurance and HOA were all provided or within the loan file.<br> - Due Diligence Vendor-03/11/2026 <br> Counter-Pending missing reo documents alternate finding. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. One property was built in xxxxxx and the other xxxxxx, they are SFR's, not Condo or Puds, HOA is not applicable.<br>- Seller-03/06/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of taxes, insurance, and/or HOA fees for non-subject properties xxxxxx - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached. One property was built in xxxxxx and the other xxxxxx, they are SFR's, not Condo or Puds, HOA is not applicable.<br>- Seller-03/06/2026 | Resolved-Taxes, insurance and HOA were all provided or within the loan file.<br> - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.70 Required is 50 Borrower has 44.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 760 Borrower has 786 Required is 760 Borrower has 786 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861688 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 13:19 | 2026-03-11 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes, insurance and HOA were all provided or within the loan file.<br> - Due Diligence Vendor-03/11/2026 <br> Counter-1. Received xxxxxx for xxxxxx and xxxxxx. Received Property profile that appear to indicate property purchases as of xxxxxx, so highlighted taxes noted are not appliable. Taxes in xxxxxx are calculated on sales price. Please confirm current taxes for REO 18. 2. Received Mortgage statement for xxxxxx and xxxxxx. Missing mortgage statements for xxxxxx and xxxxxx. 3. Missing HOA confirmation of xxxxxx. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached One property was built in xxxxxx and the other xxxxxx, they are SFR's, not Condo or Puds, HOA is not applicable.<br>- Seller-03/06/2026 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject properties xxxxxx - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached One property was built in xxxxxx and the other xxxxxx, they are SFR's, not Condo or Puds, HOA is not applicable.<br>- Seller-03/06/2026 | Resolved-Taxes, insurance and HOA were all provided or within the loan file.<br> - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.70 Required is 50 Borrower has 44.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 760 Borrower has 786 Required is 760 Borrower has 786 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861691 | 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 |  |  |  |
| 861692 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 10:20 | 2026-03-05 08:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Attached, please find the COC CD, which reflects the change in pricing resulting in the discount points of $1,653.75. - Seller-03/03/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,653.75.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 $1,653.75 (Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,653.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. Attached, please find the COC CD, which reflects the change in pricing resulting in the discount points of $1,653.75. - Seller-03/03/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026<br>| Additional assets not used to qualify - Borrower has additional assets not being used.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.45 |  | 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 |
| 861693 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-05 16:39 | 2026-03-05 16:40 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived-Guidelines do not require, however, per SEC requirements it is required. Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-03/19/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing 4506C . Guidelines do not require, however, per SEC requirements it is required. Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-03/05/2026 |  | Waived-Guidelines do not require, however, per SEC requirements it is required. Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - LTV of 40% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 40<br>Months Reserves exceed minimum required - Verified assets of 26.09 months exceeds the minimum required of 0 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 Post-Close | No | xxxxxx |
| 861699 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 07:43 | 2026-03-03 12:29 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Review of Guideline confirm not required. 5.2.4 INQUIRIES Does not need to be addressed. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. OUR GUIDELINES DO NOT REQUIRE LOX FOR MULTIPLE CREDIT INQUIRIES. This is a primary residence and attached is a VOE from the borrower, he is self employed - Seller-02/28/2026 <br>Open-LOX for credit inquiries is missing. Inquiry documentation not found in file. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. OUR GUIDELINES DO NOT REQUIRE LOX FOR MULTIPLE CREDIT INQUIRIES. This is a primary residence and attached is a VOE from the borrower, he is self employed - Seller-02/28/2026<br>| Resolved-Review of Guideline confirm not required. 5.2.4 INQUIRIES Does not need to be addressed. - Due Diligence Vendor-03/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.28 Required is 50 Borrower has 34.28<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 684 Required is 600 Borrower has 684 |  | 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 |
| 861707 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011621 | xxxxxx C A | Closed | xxxxxx | 2025-12-22 15:45 | 2026-02-04 11:11 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received addendum 1 - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. addendum 1 - Seller-02/03/2026 <br>Counter-Emailed the TPR: I received notes back from the TPR. We are still missing Addendum #1. I have pushed the condition back to the portal. - Due Diligence Vendor-01/30/2026 <br>Counter-Received addendums 2 and 4. Missing purchase contract addendum #1 - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Currently only addendums 3 and 5 are present. Provide missing addendums 1, 2 and 4 to the purchase contract. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. addendum 1 - Seller-02/03/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Received addendum 1 - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO min 680, Borrower has 707<br>Qualifying DTI below maximum allowed - Max DTI is 50% and audited DTI is 20%.<br>LTV is less than guideline maximum - LTV max 90%, LTV is 80%<br>Months Reserves exceed minimum required - Required reserves are 3 mos and audited reserves are 69 mos. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011626 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 13:55 | 2026-03-05 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. signed business purpose affidavit is attached. xxxxxx for your assistance. - Seller-03/04/2026 <br>Counter-Received Occupancy Cert. As transaction is cash out business purpose affidavit is required. - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing BP Cert/Occ Aff, etc - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. signed business purpose affidavit is attached. xxxxxx for your assistance. - Seller-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-03/05/2026<br>| Months Reserves exceed minimum required - 8 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 730 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011626 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 14:44 | 2026-02-12 16:41 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-03/23/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing C/O Ltr - Due Diligence Vendor-01/20/2026 |  | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-03/23/2026<br>| Months Reserves exceed minimum required - 8 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 730 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011626 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 11:55 | 2026-02-12 13:10 | 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-02/12/2026 <br>Ready for Review-Document Uploaded. legal description attached to mtge - Seller-02/10/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. legal description attached to mtge - Seller-02/10/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/12/2026<br>| Months Reserves exceed minimum required - 8 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 730 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011626 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 17:06 | 2026-01-29 13:08 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-After further review, the appraiser is not on the lender's exclusionary list. - Due Diligence Vendor-01/29/2026 <br>Open-Appraiser is on the exclusionary list. - Due Diligence Vendor-01/20/2026 |  | Resolved-After further review, the appraiser is not on the lender's exclusionary list. - Due Diligence Vendor-01/29/2026<br>| Months Reserves exceed minimum required - 8 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 730 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011636 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 11:58 | 2026-02-03 17:47 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Received attorney letter confirming litigation involves individual unit foreclosure - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Attorney letter since HOA will not comment and refers to HOA attorney - Seller-02/02/2026 <br> Counter-Per the xxxxxx announcement dated xxxxxx, the appraisal does not need to be updated. The condo questionnaire is to be used. Still outstanding - Question #8 is not fully completed (questions needs top be checked yes or no and describe the details of the litigation on the questionnaire form - Due Diligence Vendor-01/21/2026 <br> Open-Discrepancy between Condo Questionnaire and Appraisal. The appraisal reflects xxxxxx total units and the condo questionnaire reflects xxxxxx total units. In addition question #8 is not fully completed (questions needs top be checked yes or no and describe the details of the litigation on the questionnaire form. Provide a revised condo questionnaire with corrections. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. Attorney letter since HOA will not comment and refers to HOA attorney - Seller-02/02/2026<br>| Resolved-Received attorney letter confirming litigation involves individual unit foreclosure - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - DTI is 31.06% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 780 and minimum allowed is 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011636 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 09:51 | 2026-02-03 11:47 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received acceptable xxxxxx - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/02/2026 <br>Open-Missing Third Party Market Rent Source . Third party market rent source is required. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-02/02/2026<br>| Resolved-Received acceptable xxxxxx - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - DTI is 31.06% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 780 and minimum allowed is 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011636 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 11:09 | 2026-01-28 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Received paystubs. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. - Seller-01/27/2026 <br>Ready for Review-See attached paystub - Due Diligence Vendor-01/27/2026 <br>Open-Borrower 1 Paystubs Missing . Paystub is required and must support hourly wage on the income worksheet provided. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026<br>| Resolved-Received paystubs. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - DTI is 31.06% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 780 and minimum allowed is 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011652 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 17:04 | 2026-03-19 17:42 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received documentation borrower is not first time investor. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Borrower is not a First time investor, docs were provided. attached again. - Seller-01/15/2026 <br>Open-The Calculated DSCR of '0.872' is less than the minimum DSCR per lender guidelines of '1'.<br> Borrower appears to be a first time investor, there are no additional properties listed on the application, No mortgages reporting on credit, and missing fraud report. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Borrower is not a First time investor, docs were provided. attached again. - Seller-01/15/2026<br>| Resolved-Received documentation borrower is not first time investor. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 700<br>Months Reserves exceed minimum required - Verified assets of 23.76 months exceeds the minimum required of 2 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011652 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 13:28 | 2026-01-21 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received OFAC and SAM clearances. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <br> Counter-Received fraud report. Missing OFAC and SAM clearances - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Open-Missing Third Party Fraud Report Missing fraud report for borrower. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Received OFAC and SAM clearances. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 700<br>Months Reserves exceed minimum required - Verified assets of 23.76 months exceeds the minimum required of 2 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011652 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 17:06 | 2026-01-16 11:31 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received documentation borrower is not first time investor. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Borrower is not a first-time investor, Borrower owners xxxxxx under his LLC, xxxxxx, Docs were provided with the complete package. - Seller-01/15/2026 <br> Open-Borrower appears to be a first time investor - DSCR must be > 1%/ - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Borrower is not a first-time investor, Borrower owners xxxxxx under his LLC, xxxxxx, Docs were provided with the complete package. - Seller-01/15/2026 | Resolved-Received documentation borrower is not first time investor. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 700<br>Months Reserves exceed minimum required - Verified assets of 23.76 months exceeds the minimum required of 2 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011652 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 17:00 | 2026-01-16 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received PCCD confirming annual premium - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. The premium is $1687 -- there was a one time $10 processing fee, please see attached PCCD. correcting the premium. - Seller-01/15/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Per Dec page premium of $1687 - lender collected $1697 at closing for HOI premium. Procive dec page reflecting premium of $1697 - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. The premium is $1687 -- there was a one time $10 processing fee, please see attached PCCD. correcting the premium. - Seller-01/15/2026<br>| Resolved-Received PCCD confirming annual premium - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 700<br>Months Reserves exceed minimum required - Verified assets of 23.76 months exceeds the minimum required of 2 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011689 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011691 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 09:16 | 2026-02-04 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Loan was qualified with higher payment; debt was paid off. - Due Diligence Vendor-02/04/2026 <br> Counter-Review receive clarification on debt payoff. Please provide post closing 1003 reflecting balance and payment - no signature required. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Please re-read the loe. The xxxxxx account was not paid prior to close. It was paid after close, with loan proceeds, but not on the closing disclosure. Borrower paid it post close with cash out proceeds. LOE explains in detail. - Seller-01/28/2026 <br> Counter-Received confirmation borrower paid a portion of the balance prior to closing. Provide assets utilized for paydown to confirm no new liability. Provide corrected 1008 and 1003 reflecting current balance and payment. Signature not required on 1003 - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Open-xxxxxx on credit has a balance of $18,887, note on the CD to be paid off it has a balance of $1,887. Missing corrected CD. - Due Diligence Vendor-01/09/2026 | Ready for Review-Please re-read the loe. The xxxxxx account was not paid prior to close. It was paid after close, with loan proceeds, but not on the closing disclosure. Borrower paid it post close with cash out proceeds. LOE explains in detail. - Seller-01/28/2026 <br>Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Loan was qualified with higher payment; debt was paid off. - Due Diligence Vendor-02/04/2026<br>| Months Reserves exceed minimum required - 28.02 months reserves exceeds 3 months required per guides<br>On time mortgage history exceeds guideline requirement - 0x30x70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011700 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 13:51 | 2026-02-04 13:00 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Upon further review, no further documentation is needed or required. The CD with the incorrect issue date was hand signed by borrowers on xxxxxx. The CD was not provided prior to the LE. - Due Diligence Vendor-02/04/2026 <br> Counter-----We have an initial CD date issued xxxxxx, which is prior to the initial LE issue dated of xxxxxx Finding Remains. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. -----Initial CD issued xxxxxx and signed xxxxxx before Revised LE dated xxxxxx, 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-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Upon further review, no further documentation is needed or required. The CD with the incorrect issue date was hand signed by borrowers on xxxxxx. The CD was not provided prior to the LE. - Due Diligence Vendor-02/04/2026 | Qualifying DTI below maximum allowed - Max 50%, actual 11.81%<br>Qualifying FICO score is at least 20 points above minimum for program - MIn 640, actual 691 |  | 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 |
| 2000011700 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 13:51 | 2026-02-04 13:00 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. The CD with the incorrect issue date was hand signed by borrowers on xxxxxx. The CD was not provided prior to the LE. - Due Diligence Vendor-02/04/2026 <br> Counter-----Finding is not resolving with COC, due to ----We have an initial CD date issued xxxxxx, which is prior to the initial LE issue dated of xxxxxx. Finding Remains - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $96.00.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 $96.00 Appraisal Review 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 $96.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Upon further review, no further documentation is needed or required. The CD with the incorrect issue date was hand signed by borrowers on xxxxxx. The CD was not provided prior to the LE. - Due Diligence Vendor-02/04/2026 | Qualifying DTI below maximum allowed - Max 50%, actual 11.81%<br>Qualifying FICO score is at least 20 points above minimum for program - MIn 640, actual 691 |  | 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 |
| 2000011700 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 13:51 | 2026-02-04 13:00 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-Upon further review, no further documentation is needed or required. The CD with the incorrect issue date was hand signed by borrowers on xxxxxx. The CD was not provided prior to the LE. - Due Diligence Vendor-02/04/2026 <br> Counter-----We have an initial CD date issued xxxxxx, which is prior to the initial LE issue dated of xxxxxx. Finding Remains - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Open------Initial CD issued xxxxxx and signed xxxxxx before Revised LE dated xxxxxx, 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-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Upon further review, no further documentation is needed or required. The CD with the incorrect issue date was hand signed by borrowers on xxxxxx. The CD was not provided prior to the LE. - Due Diligence Vendor-02/04/2026 | Qualifying DTI below maximum allowed - Max 50%, actual 11.81%<br>Qualifying FICO score is at least 20 points above minimum for program - MIn 640, actual 691 |  | 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 |
| 2000011700 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 13:51 | 2026-02-04 13:00 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Upon further review, no further documentation is needed or required. The CD with the incorrect issue date was hand signed by borrowers on xxxxxx. The CD was not provided prior to the LE. - Due Diligence Vendor-02/04/2026 <br> Counter-----We have an initial CD date issued xxxxxx, which is prior to the initial LE issue dated of xxxxxx. Finding Remains - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Open------Initial CD issued xxxxxx and signed xxxxxx before Revised LE dated xxxxxx, 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-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Upon further review, no further documentation is needed or required. The CD with the incorrect issue date was hand signed by borrowers on xxxxxx. The CD was not provided prior to the LE. - Due Diligence Vendor-02/04/2026 | Qualifying DTI below maximum allowed - Max 50%, actual 11.81%<br>Qualifying FICO score is at least 20 points above minimum for program - MIn 640, actual 691 |  | 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 |
| 2000011700 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 12:33 | 2026-01-13 14:49 | 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-01/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - Max 50%, actual 11.81%<br>Qualifying FICO score is at least 20 points above minimum for program - MIn 640, actual 691 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000011701 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011727 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 10:02 | 2026-02-12 07:56 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved------Received Right to Cancel dated xxxxxx and signed by both title holders. Finding resolved. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Please see attached - xxxxxx. - Seller-02/11/2026 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Missing ROR signed by Non-Borrowing Title Holder<br> - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached - xxxxxx. - Seller-02/11/2026<br>| Resolved------Received Right to Cancel dated xxxxxx and signed by both title holders. Finding resolved. - Due Diligence Vendor-02/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - The minimum credit score is 680 and the borrower's credit score is 788. <br>CLTV is less than guidelines maximum - The maximum CLTV is 80% and the loan's CLTV is 48.43%. |  | 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 |
| 2000011727 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 10:02 | 2026-02-12 07:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved------Received Right to Cancel dated xxxxxx and signed by both title holders. Finding resolved. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/11/2026 <br> Open-Right of Rescission is Missing Provide the executed Right of Recission.<br> - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/11/2026<br>| Resolved------Received Right to Cancel dated xxxxxx and signed by both title holders. Finding resolved. - Due Diligence Vendor-02/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - The minimum credit score is 680 and the borrower's credit score is 788. <br>CLTV is less than guidelines maximum - The maximum CLTV is 80% and the loan's CLTV is 48.43%. |  | 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 |
| 2000011729 | xxxxxx C B A | Closed | xxxxxx | 2026-01-29 09:02 | 2026-03-05 18:07 | 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 due to borrower is fthb who previously lived with his parents.<br> - Due Diligence Vendor-03/05/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-we are asking for an exception to this condition. The borrower is fthb who previously lived with his parents. The loan closed at 50% ltv with the borrower putting down xxxxxx at down payment & brought xxxxxx to closing. Credit score is 664 & has over $60k per month in disposable income. Please make an exception to waive this item. xxxxxx. - Seller-03/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Lender to provide a satisfactory 12 month housing history. - Due Diligence Vendor-01/29/2026 | Ready for Review-we are asking for an exception to this condition. The borrower is fthb who previously lived with his parents. The loan closed at 50% ltv with the borrower putting down xxxxxx at down payment & brought xxxxxx to closing. Credit score is 664 & has over $60k per month in disposable income. Please make an exception to waive this item. xxxxxx. - Seller-03/04/2026 | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to borrower is fthb who previously lived with his parents.<br> - Due Diligence Vendor-03/05/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $60,137.88; minimum required NONE<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years | 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> 2 - DTI <= 36% which is below requirement in guidelines<br> 3 - Reserves >48 months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011729 | xxxxxx C B A | Closed | xxxxxx | 2026-01-29 15:22 | 2026-02-11 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received confirmation of restoral credit from sellers regarding re taxes is within purchase contract. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. see pg 9, item 47 which references credit & "any" amount. Please accept this proof to clear item. xxxxxx. - Seller-02/10/2026 <br>Open-Provide addendum to contract of sale reflecting restoral credit of $7,462.13 which is reflected on the final CD. Subject to additional conditions. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. see pg 9, item 47 which references credit & "any" amount. Please accept this proof to clear item. xxxxxx. - Seller-02/10/2026<br>| Resolved-Received confirmation of restoral credit from sellers regarding re taxes is within purchase contract. - Due Diligence Vendor-02/11/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $60,137.88; minimum required NONE<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011729 | xxxxxx C B A | Closed | xxxxxx | 2026-01-27 13:01 | 2026-01-30 08:50 | 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 7.93% is within allowable threshold of APOR of 6.923% + 1.75% or 8.673%. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Can you please advise of cure to satisfy this condition or is it for informational purpose and needs to be satisfied. xxxxxx! - Due Diligence Vendor-01/30/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.93% is within allowable threshold of APOR of 6.923% + 1.75% or 8.673%. - Due Diligence Vendor-01/27/2026 |  | Resolved-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.93% is within allowable threshold of APOR of 6.923% + 1.75% or 8.673%. - Due Diligence Vendor-01/30/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $60,137.88; minimum required NONE<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011733 | xxxxxx B A | Closed | xxxxxx | 2026-02-13 14:02 | 2026-02-17 13:24 | 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. - Due Diligence Vendor-02/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 > 720 required<br>Months Reserves exceed minimum required - 12 months PITIA reserves; 0 months reserves required.<br>CLTV is less than guidelines maximum - CLTV 68%; 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 |
| 2000011740 | xxxxxx C A | Closed | xxxxxx | 2026-02-23 14:34 | 2026-03-04 07:37 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/02/2026 <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-02/23/2026 | Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/02/2026<br>| Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 / Borrower FICO 739<br>Months Reserves exceed minimum required - Reserves not required/ Borrower reserves 6.08 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 | N/A | N/A | xxxxxx |
| 2000011745 | xxxxxx D A | Closed | xxxxxx | 2026-02-05 08:46 | 2026-02-11 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. gap credit attached. xxxxxx. - Seller-02/10/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. gap credit attached. xxxxxx. - Seller-02/10/2026<br>| Resolved-Received UDM. - Due Diligence Vendor-02/11/2026<br>| Qualifying DTI below maximum allowed - DTI 30.12%, Max 50%<br>Months Reserves exceed minimum required - required zero, borrower has 28 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 |
| 2000011759 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-04 12:11 | 2026-03-23 10:59 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | xxxxxx Subprime Home Loan Test | Waived-APR on subject loan of 8.107% is in excess of allowable threshold of APOR of 6.06% + 1.75%, or 7.81%. NonCompliant SubPrime Loan. Client waiver applied. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-the xxxxxx subprime language is on the Note/Mortgage - Seller-02/10/2026 <br> Open-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. -----Non Compliant xxxxxx Subprime- APR on subject loan of 8.107% is within allowable threshold of APOR of 6.06% + 1.75% or 7.81%. - Due Diligence Vendor-02/04/2026 | Ready for Review-the xxxxxx subprime language is on the Note/Mortgage - Seller-02/10/2026 | Waived-APR on subject loan of 8.107% is in excess of allowable threshold of APOR of 6.06% + 1.75%, or 7.81%. NonCompliant SubPrime Loan. Client waiver applied. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score required = 660. Borrower's mid-score = 757<br>On time mortgage history exceeds guideline requirement - minimum mortgage history is 1X30 in the past 12 months - borrower has 26 months 0 X 30 day lates |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000011759 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-05 23:53 | 2026-02-12 13:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received VOA confirming sufficient reserves. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Please confirm, if the attached were reviewed ? The a/c has $371,624.10 - Seller-02/11/2026 <br> Open-Audited Reserves of 1.96 month(s) are less than Guideline Required Reserves of 3 month(s) Provide additional assets to cover the reserve requirement of 3 months - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. Please confirm, if the attached were reviewed ? The a/c has $371,624.10 - Seller-02/11/2026 | Resolved-Received VOA confirming sufficient reserves. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score required = 660. Borrower's mid-score = 757<br>On time mortgage history exceeds guideline requirement - minimum mortgage history is 1X30 in the past 12 months - borrower has 26 months 0 X 30 day lates |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011759 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-04 12:11 | 2026-02-12 07:50 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received post-close CD xxxxxx, copy of check, LOE and evidence of delivery to borrower. Finding resolved. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $19.00.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 $19.00 Credit Supplement 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 $19.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026<br>| Resolved------Received post-close CD xxxxxx, copy of check, LOE and evidence of delivery to borrower. Finding resolved. - Due Diligence Vendor-02/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Minimum score required = 660. Borrower's mid-score = 757<br>On time mortgage history exceeds guideline requirement - minimum mortgage history is 1X30 in the past 12 months - borrower has 26 months 0 X 30 day lates |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011759 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-06 11:42 | 2026-02-11 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Business Narrative from tax preparer confirm ownership and years in business. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-Borrower 1 CPA Letter Missing 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 Bank statement from 24 or more months prior to note date reflecting activity, or<br> o Other reasonable evidence of business activity. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Received Business Narrative from tax preparer confirm ownership and years in business. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score required = 660. Borrower's mid-score = 757<br>On time mortgage history exceeds guideline requirement - minimum mortgage history is 1X30 in the past 12 months - borrower has 26 months 0 X 30 day lates |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011778 | xxxxxx B A | Closed | xxxxxx | 2026-02-19 13:11 | 2026-03-04 07:35 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/02/2026 <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-02/19/2026 | Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/02/2026<br>| Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - Max DTI allowed = 50%. The borrower's DTI = 42.37.<br>LTV is less than guideline maximum - max LTV = 85. Borrower's LTV = 51.41 |  | 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 |
| 2000011778 | xxxxxx B A | Closed | xxxxxx | 2026-02-19 13:25 | 2026-02-25 11:06 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-02/25/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.965% is within allowable threshold of APOR of 5.75% + 3.75% or 9.5%. - Due Diligence Vendor-02/19/2026 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-02/25/2026 | Qualifying DTI below maximum allowed - Max DTI allowed = 50%. The borrower's DTI = 42.37.<br>LTV is less than guideline maximum - max LTV = 85. Borrower's LTV = 51.41 |  | 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 |
| 2000011787 | xxxxxx D B A | Closed | xxxxxx | 2026-02-11 16:19 | 2026-03-04 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-After further review, the borrower is self-employed and a VOE is not required. The loan file contains sufficient proof of self employment - SOS run xxxxxx showing active. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. see 3rd party business verifications attached. xxxxxx. - Seller-03/02/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. see 3rd party business verifications attached. xxxxxx. - Seller-03/02/2026<br>| Resolved-After further review, the borrower is self-employed and a VOE is not required. The loan file contains sufficient proof of self employment - SOS run 1/26/26 showing active. - Due Diligence Vendor-03/04/2026<br>| CLTV is less than guidelines maximum - 48.97% CLTV is less than 80% max<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $9505.47 residual income is greater than $5250. |  | 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 |
| 2000011787 | xxxxxx D B A | Closed | xxxxxx | 2026-02-11 16:51 | 2026-02-12 10:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Closed end second in xxxxxx minimum FICO is 720 borrower has 703. Exception in file approved for 703 FICO when minimum score in xxxxxx is 720. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-02/12/2026 <br> Open-Audited FICO of 703 is less than Guideline FICO of 720 Closed end second in xxxxxx minimum FICO is 720 borrower has 703. Exception in file approved for 703 FICO when minimum score in xxxxxx is 720. - Due Diligence Vendor-02/11/2026 |  | Waived-Closed end second in xxxxxx minimum FICO is 720 borrower has 703. Exception in file approved for 703 FICO when minimum score in xxxxxx is 720. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-02/12/2026 | CLTV is less than guidelines maximum - 48.97% CLTV is less than 80% max<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $9505.47 residual income is greater than $5250. | LTV/CLTV 10% or more below max<br> 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 | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011787 | xxxxxx D B A | Closed | xxxxxx | 2026-02-09 13:11 | 2026-02-09 13:11 | 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-02/09/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/09/2026<br>| CLTV is less than guidelines maximum - 48.97% CLTV is less than 80% max<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $9505.47 residual income is greater than $5250. |  | 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 |
| 2000011788 | xxxxxx D A | Closed | xxxxxx | 2026-01-31 15:39 | 2026-02-13 13:40 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-Lender provided updated coverage policy - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Counter-Received xxxxxx coverage reflecting xxxxxx. HOA $90x Units xxxxxx=$419,866x3 months=$1,259,598 required and coverage appears insufficient. Provide confirmation of sufficient coverage or budget for review coverage. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Crime and xxxxxx coverage are the same. The policy includes xxxxxx coverage for employee theft. - Seller-02/09/2026 <br> Open-xxxxxx Coverage not met. Missing xxxxxx coverage - Due Diligence Vendor-01/31/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Ready for Review-Document Uploaded. xxxxxx coverage are the same. The policy includes xxxxxx coverage for employee theft. - Seller-02/09/2026 | Resolved-Lender provided updated coverage policy - Due Diligence Vendor-02/13/2026<br>| Qualifying DTI below maximum allowed - DTI 35.26% Maximum 50%.<br>Months Reserves exceed minimum required - |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011788 | xxxxxx D A | Closed | xxxxxx | 2026-01-31 16:10 | 2026-02-13 13:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, A tri merge Gap is not required - Due Diligence Vendor-02/13/2026 <br>Counter-Received duplicate fraud report reflecting only TRU bureau Provide confirmation all 3 bureaus are included. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Ready for Review-See UDM on pages 1 and 2. - Due Diligence Vendor-02/05/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit report-UDM from xxxxxx only monitoring one Bureau. Need all 3 bureau or Gap Credit Report dated no earlier than 30 days prior closing or any time after closing. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Upon further review, A tri merge Gap is not required - Due Diligence Vendor-02/13/2026<br>| Qualifying DTI below maximum allowed - DTI 35.26% Maximum 50%.<br>Months Reserves exceed minimum required - |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011788 | xxxxxx D A | Closed | xxxxxx | 2026-02-02 15:47 | 2026-02-06 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Receive 4506 for W2 and 1040s - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing File is missing 4506-C for 2-Years - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Receive 4506 for W2 and 1040s - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - DTI 35.26% Maximum 50%.<br>Months Reserves exceed minimum required - |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011792 | xxxxxx B A | Closed | xxxxxx | 2026-02-13 15:15 | 2026-02-20 09:14 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR on subject loan of 8.576% is within allowable threshold of APOR of 5.69% + 3.75% or 9.44% - Due Diligence Vendor-02/20/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.576% is within allowable threshold of APOR of 5.69% + 3.75% or 9.44% - Due Diligence Vendor-02/13/2026 |  | Resolved-APR on subject loan of 8.576% is within allowable threshold of APOR of 5.69% + 3.75% or 9.44% - Due Diligence Vendor-02/20/2026<br>| LTV is less than guideline maximum - 45% LTV, program allows to 80%<br>Qualifying DTI below maximum allowed - 25% DTI, program allows 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 |
| 2000011792 | xxxxxx B A | Closed | xxxxxx | 2026-02-13 13:10 | 2026-02-13 13:10 | 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-02/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-02/13/2026<br>| LTV is less than guideline maximum - 45% LTV, program allows to 80%<br>Qualifying DTI below maximum allowed - 25% DTI, program allows 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 | Investor Post-Close | No | xxxxxx |
| 2000011807 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2000011814 | xxxxxx D A B | Closed | xxxxxx | 2026-02-17 22:43 | 2026-03-04 09:54 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOEs for each borrower. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. inquiry letter for each borrower attached. xxxxxx. - Seller-03/02/2026 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. inquiry letter for each borrower attached. xxxxxx. - Seller-03/02/2026<br>| Resolved-Received credit inquiry LOEs for each borrower. - Due Diligence Vendor-03/04/2026<br>| Verified employment history exceeds guidelines - Borrower has been at current employer for 17+ years. <br>Long term residence - Borrower has been at current residence for 3+ yearsd |  | 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 |
| 2000011814 | xxxxxx D A B | Closed | xxxxxx | 2026-02-17 22:36 | 2026-03-04 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM for both borrowers meeting guidelines. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. gap credit for both borrowers on the same form - Seller-03/02/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 and B2 Gap Credit Report is Missing - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. gap credit for both borrowers on the same form - Seller-03/02/2026<br>| Resolved-Received UDM for both borrowers meeting guidelines. - Due Diligence Vendor-03/04/2026<br>| Verified employment history exceeds guidelines - Borrower has been at current employer for 17+ years. <br>Long term residence - Borrower has been at current residence for 3+ yearsd |  | 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 |
| 2000011814 | xxxxxx D A B | Closed | xxxxxx | 2026-02-11 16:16 | 2026-03-04 07:36 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/02/2026 <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-02/11/2026 | Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/02/2026<br>| Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-03/04/2026<br>| Verified employment history exceeds guidelines - Borrower has been at current employer for 17+ years. <br>Long term residence - Borrower has been at current residence for 3+ yearsd |  | 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 |
| 2000011817 | xxxxxx D A C | Closed | xxxxxx | 2026-02-05 10:34 | 2026-02-23 10:25 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Property report reflects the borrower is not personally liable. - Due Diligence Vendor-02/23/2026 <br> Counter-Received rebuttal borrower is not obligated to mortgage on xxxxxx. File contains mtg statement reflecting borrowers name. Provide supporting documentation confirming borrower is not liable as mortgage statement reflects borrower is liable. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-The borrower is not personally liable, as the property is held under the business entity, xxxxxx. Additionally, the mortgage lien is not reported on the borrower's personal credit report. - Seller-02/13/2026 <br> Open-There are properties disclosed in the loan file that aren't listed on the initial or final URLA that lender did not include in DTI<br> xxxxxx - Due Diligence Vendor-02/05/2026 | Ready for Review-The borrower is not personally liable, as the property is held under the business entity, xxxxxx. Additionally, the mortgage lien is not reported on the borrower's personal credit report. - Seller-02/13/2026 | Resolved-Property report reflects the borrower is not personally liable. - Due Diligence Vendor-02/23/2026<br>| CLTV is less than guidelines maximum - CLTV 79.99% is less than 85% max<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score required = 700. Borrower's mid-score = 769 |  | 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 |
| 2000011817 | xxxxxx D A C | Closed | xxxxxx | 2026-02-04 23:46 | 2026-02-23 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Property report reflects the borrower is not personally liable. - Due Diligence Vendor-02/23/2026 <br> Counter-From TPR: Received rebuttal borrower is not obligated to mortgage on xxxxxx. File contains mtg statement reflecting borrowers name. Provide supporting documentation confirming borrower is not liable as mortgage statement reflects borrower is liable. - Due Diligence Vendor-02/17/2026 <br> Counter-Received rebuttal borrower is not obligated to mortgage on xxxxxx. File contains mtg statement reflecting borrowers name. Provide supporting documentation confirming borrower is not liable as mortgage statement reflects borrower is liable. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-The borrower is not personally liable, as the property is held under the business entity, xxxxxx. Additionally, the mortgage lien is not reported on the borrower's personal credit report.<br> - Due Diligence Vendor-02/13/2026 <br> Ready for Review-The borrower is not personally liable, as the property is held under the business entity, xxxxxx. Additionally, the mortgage lien is not reported on the borrower's personal credit report. - Seller-02/13/2026 <br> Open-There are properties disclosed in the loan file that aren't listed on the initial or final URLA<br> xxxxxx - Due Diligence Vendor-02/05/2026 | Ready for Review-The borrower is not personally liable, as the property is held under the business entity, xxxxxx. Additionally, the mortgage lien is not reported on the borrower's personal credit report. - Seller-02/13/2026 | Resolved-Property report reflects the borrower is not personally liable. - Due Diligence Vendor-02/23/2026<br>| CLTV is less than guidelines maximum - CLTV 79.99% is less than 85% max<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score required = 700. Borrower's mid-score = 769 |  | 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 |
| 2000011817 | xxxxxx D A C | Closed | xxxxxx | 2026-02-05 10:34 | 2026-02-23 10:25 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Property report reflects the borrower is not personally liable. - Due Diligence Vendor-02/23/2026 <br> Counter-Received property profile. Please confirm borrower is not obligated on mortgage and meets 3.7.5 of guidelines. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-See property profile attached. Primary Owner Name(s): xxxxxx, - Seller-02/17/2026 <br> Counter-Received rebuttal borrower is not obligated to mortgage on xxxxxx. File contains mtg statement reflecting borrowers name. Provide supporting documentation confirming borrower is not liable as mortgage statement reflects borrower is liable. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-The borrower is not personally liable, as the property is held under the business entity, xxxxxx. Additionally, the mortgage lien is not reported on the borrower's personal credit report. - Seller-02/13/2026 <br> Open-There are properties disclosed in the loan file that aren't listed on the initial or final URLA that lender did not include in DTI<br> xxxxxx - Due Diligence Vendor-02/05/2026 | Ready for Review-See property profile attached. Primary Owner Name(s): xxxxxx, - Seller-02/17/2026 <br> Ready for Review-The borrower is not personally liable, as the property is held under the business entity, xxxxxx. Additionally, the mortgage lien is not reported on the borrower's personal credit report. - Seller-02/13/2026 | Resolved-Property report reflects the borrower is not personally liable. - Due Diligence Vendor-02/23/2026<br>| CLTV is less than guidelines maximum - CLTV 79.99% is less than 85% max<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score required = 700. Borrower's mid-score = 769 |  | 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 |
| 2000011817 | xxxxxx D A C | Closed | xxxxxx | 2026-02-03 08:42 | 2026-02-19 07:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC xxxxxx, finding resolved. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,156.14.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $3,156.14 (loan discount) 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 $3,156.14, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - X Year(s); Expiration Date xxxxxx - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved------Received COC xxxxxx, finding resolved. - Due Diligence Vendor-02/19/2026 | CLTV is less than guidelines maximum - CLTV 79.99% is less than 85% max<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score required = 700. Borrower's mid-score = 769 |  | 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 |
| 2000011838 | xxxxxx D B A | Closed | xxxxxx | 2026-03-02 14:05 | 2026-03-09 11:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Upon further review, no additional documentation is required. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026<br>| Resolved-Upon further review, no additional documentation is required. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required Fico 700 Verified 816<br>Months Reserves exceed minimum required - Reserves Required 3 Reserves Verified 12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011838 | xxxxxx D B A | Closed | xxxxxx | 2026-03-02 09:26 | 2026-03-09 10:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure pages 4 and 5 provided, finding resolved. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. signed cd attached. xxxxxx. - Seller-03/04/2026 <br>Open-TRID: Missing Final Closing Disclosure -----Missing pages 4 and 5 of the final cd - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. signed cd attached. xxxxxx. - Seller-03/04/2026<br>| Resolved-TRID: Final Closing Disclosure pages 4 and 5 provided, finding resolved. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required Fico 700 Verified 816<br>Months Reserves exceed minimum required - Reserves Required 3 Reserves Verified 12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011838 | xxxxxx D B A | Closed | xxxxxx | 2026-03-02 14:39 | 2026-03-05 10:32 | Resolved | 1 - Information B A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Upon further review, FEMA Public Disaster require no additional documentation. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. This would only apply to FEMA declared disaster areas for Individual Assistance. The uploaded validation shows only Public Assistance. xxxxxx! - Due Diligence Vendor-03/04/2026 <br> Open-Public FEMA disaster after appraisal without a PDI or 1004D. See FEMA report - xxxxxx - Due Diligence Vendor-03/02/2026 |  | Resolved-Upon further review, FEMA Public Disaster require no additional documentation. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required Fico 700 Verified 816<br>Months Reserves exceed minimum required - Reserves Required 3 Reserves Verified 12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011838 | xxxxxx D B A | Closed | xxxxxx | 2026-03-02 10:37 | 2026-03-02 10:37 | 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-03/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required Fico 700 Verified 816<br>Months Reserves exceed minimum required - Reserves Required 3 Reserves Verified 12 |  | 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 |
| 2000011841 | xxxxxx D B A | Closed | xxxxxx | 2026-02-25 10:02 | 2026-03-04 09:36 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received confirmation all interested parties included in fraud report search. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. Spouse now run on participant lists. xxxxxx. - Seller-03/03/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing non-borrower spouse - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Spouse now run on participant lists. xxxxxx. - Seller-03/03/2026<br>| Resolved-Received confirmation all interested parties included in fraud report search. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 711 FICO, 640 required<br>Qualifying DTI below maximum allowed - 26% DTI, program allows to 45% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011841 | xxxxxx D B A | Closed | xxxxxx | 2026-02-25 09:59 | 2026-03-04 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report within 30 days of closing meeting guideline requirements. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. gap credit attached. xxxxxx. - Seller-03/03/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing from loan file - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. gap credit attached. xxxxxx. - Seller-03/03/2026<br>| Resolved-Received UDM report within 30 days of closing meeting guideline requirements. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 711 FICO, 640 required<br>Qualifying DTI below maximum allowed - 26% DTI, program allows to 45% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011841 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 14:01 | 2026-02-23 14:01 | 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-02/23/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 711 FICO, 640 required<br>Qualifying DTI below maximum allowed - 26% DTI, program allows to 45% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011842 | xxxxxx D B A | Closed | xxxxxx | 2026-02-26 09:34 | 2026-03-04 09:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM dated within 30 days of closing meeting guideline requirements. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. gap credit attached. xxxxxx. - Seller-03/02/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Rep - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. gap credit attached. xxxxxx. - Seller-03/02/2026<br>| Resolved-Received UDM dated within 30 days of closing meeting guideline requirements. - Due Diligence Vendor-03/04/2026<br>| Months Reserves exceed minimum required - 4 mths reserves; 0 mths required.<br>On time mortgage history exceeds guideline requirement - 0x30x48<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+5.6k) |  | 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 |
| 2000011842 | xxxxxx D B A | Closed | xxxxxx | 2026-02-26 09:46 | 2026-02-27 10:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client exception granted to allow 706 FICO . Non-material waiver applied with comp factors. Deemed non-material due to only 14 points under minimum required.<br> - Due Diligence Vendor-02/27/2026 <br> Open-Audited FICO of 706 is less than Guideline FICO of 720 Overlay for xxxxxx requires 720 score. - Due Diligence Vendor-02/26/2026 |  | Waived-Client exception granted to allow 706 FICO . Non-material waiver applied with comp factors. Deemed non-material due to only 14 points under minimum required.<br> - Due Diligence Vendor-02/27/2026<br>| Months Reserves exceed minimum required - 4 mths reserves; 0 mths required.<br>On time mortgage history exceeds guideline requirement - 0x30x48<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+5.6k) | <br> Employed in same profession > 10 years<br> LTV/CLTV 10% or more below max<br> DTI <= 40% which is below requirement in guidelines<br> 0x30 for 48 months on subject mortgage<br> Residual income more than 2x the amount required by guidelines<br> Subject property home ownership > 10 years<br> Employed at same job > 10 years<br> Current primary home ownership > 10 y | 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 |
| 2000011845 | xxxxxx B A | Closed | xxxxxx | 2026-02-19 12:23 | 2026-02-19 12:50 | 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-02/19/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 exceeds lender min of 680 per guides<br>CLTV is less than guidelines maximum - 40% CLTV is less than 90% per guides. |  | 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 |
| 2000011869 | xxxxxx D A C | Closed | xxxxxx | 2026-02-17 15:24 | 2026-02-20 11:37 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending compliance findings - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026<br>| Months Reserves exceed minimum required - 46 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - 80% LTV, 90% max allowed.<br>Qualifying DTI below maximum allowed - Qualifying DTI 24.42%; max permitted 45% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011869 | xxxxxx D A C | Closed | xxxxxx | 2026-02-10 14:32 | 2026-02-20 07:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved------Received Affiliated Business Arrangements. Finding resolved. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <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-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved------Received Affiliated Business Arrangements. Finding resolved. - Due Diligence Vendor-02/20/2026<br>| Months Reserves exceed minimum required - 46 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - 80% LTV, 90% max allowed.<br>Qualifying DTI below maximum allowed - Qualifying DTI 24.42%; max permitted 45% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011869 | xxxxxx D A C | Closed | xxxxxx | 2026-02-10 14:57 | 2026-02-20 07:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved------Received initial LE xxxxxx. Compliance tested. Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Open------Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx.<br> - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved------Received initial LE xxxxxx. Compliance tested. Finding resolved. - Due Diligence Vendor-02/20/2026 | Months Reserves exceed minimum required - 46 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - 80% LTV, 90% max allowed.<br>Qualifying DTI below maximum allowed - Qualifying DTI 24.42%; max permitted 45% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011869 | xxxxxx D A C | Closed | xxxxxx | 2026-02-10 14:20 | 2026-02-20 07:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved------Received Initial 1003. Finding resolved. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. See attached - Seller-02/18/2026 <br>Open-The Initial 1003 is Missing Missing Initial 1003 - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. See attached - Seller-02/18/2026<br>| Resolved------Received Initial 1003. Finding resolved. - Due Diligence Vendor-02/20/2026<br>| Months Reserves exceed minimum required - 46 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - 80% LTV, 90% max allowed.<br>Qualifying DTI below maximum allowed - Qualifying DTI 24.42%; max permitted 45% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011870 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 12:01 | 2026-03-03 10:29 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Upon further review, the loan file contained all required rural property variance documentation. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please find the attached xxxxxx First Variance Approval Letter; Rural properties allowed on xxxxxx program. xxxxxx! - Due Diligence Vendor-02/27/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural is not eligible per guidelines. - Due Diligence Vendor-02/26/2026 |  | Resolved-Upon further review, the loan file contained all required rural property variance documentation. - Due Diligence Vendor-03/03/2026<br>| Long term residence - Long Term Residence = 47+ years<br>Qualifying DTI below maximum allowed - DTI = 42.9% - Max 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 |
| 2000011870 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 14:56 | 2026-02-25 14:56 | 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-02/25/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-02/25/2026<br>| Long term residence - Long Term Residence = 47+ years<br>Qualifying DTI below maximum allowed - DTI = 42.9% - Max DTI = 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 |
| 2000011909 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011933 | xxxxxx B A | Closed | xxxxxx | 2026-02-25 08:38 | 2026-02-25 08:38 | 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-02/25/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/25/2026<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Borrower has 30.52 months of reserves.<br>LTV is less than guideline maximum - Guideline LTV maximum is 70%. Subject LTV is 60%. |  | 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 |

---

## 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 Property Loan Grades S&P** | **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** |
| 843145 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 846238 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 846496 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 847741 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 849067 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 849118 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 849527 | xxxxxx | xxxxxx B | B A | A | A | A | A | A B | B | B A | A | A B | B |
| 849578 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 849976 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D A | A B | B A | A B | B |
| 850191 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 850234 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 850565 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 850768 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 850834 | xxxxxx | xxxxxx D | D | D | A | A | A | A D | D A | A | A | A | A |
| 850959 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 851112 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A B | B A | A B | B |
| 851472 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 851476 | xxxxxx | xxxxxx C | C A | A | C | C | C | C | C A | A | A | A | A |
| 851666 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 851687 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 851741 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 852251 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 852296 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 852358 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 852360 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 852367 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 852850 | xxxxxx | xxxxxx D | D A | A | C | C | C | C D | D B | B A | A | A B | B |
| 852879 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C B | B A | A | A B | B |
| 852904 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 853156 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 853281 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 853339 | xxxxxx | xxxxxx B | B A | A | A | A | A | A B | B | B A | A | A B | B |
| 853381 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 853397 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 853404 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 853494 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 853511 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 853513 | xxxxxx | xxxxxx D | N/A D B | N/A B | A | A | N/A | A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 853519 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 853590 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D A | A | A | A | A |
| 853645 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 853794 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 853799 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 853806 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 853810 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 853811 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 853839 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C A | A B | B A | A B | B |
| 853878 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 853931 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 853957 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 853983 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 853999 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 854026 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 854148 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 854157 | xxxxxx | xxxxxx D | D A | A | C | C | C | C D | D A | A | A | A | A |
| 854182 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 854211 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 854238 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 854277 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 854280 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 854290 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 854323 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 854361 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 854435 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C B | B A | A | A B | B |
| 854439 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 854457 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 854494 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 854505 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A B | B A | A B | B |
| 854514 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 854549 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 854608 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 854613 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 854661 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 854813 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 854822 | xxxxxx | xxxxxx A | A | A | C | C | C | C | C A | A | A B | B | B |
| 854927 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 854980 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 854983 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 854987 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 854999 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C B | B | B A | A B | B |
| 855112 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 855150 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C B | B A | A | A B | B |
| 855166 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 855167 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C A | A B | B A | A B | B |
| 855298 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 855322 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 855448 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 855464 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 855552 | xxxxxx | xxxxxx D | D | D | D | D | D | D | D A | A B | B A | A B | B |
| 855553 | xxxxxx | xxxxxx D | D | D | C | C | C | C D | D A | A | A | A | A |
| 855555 | xxxxxx | xxxxxx D | D B | B | C | C | C | C D | D A | A B | B A | A B | B |
| 855575 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A B | B A | A B | B |
| 855615 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 855626 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 855628 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 855638 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 855652 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 855656 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 855663 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 855670 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 855671 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 855765 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A | A | A | A |
| 855796 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 855815 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 856090 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 856092 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 856156 | xxxxxx | xxxxxx C | C B | B | C | C | C | C | C B | B | B A | A B | B |
| 856313 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 856369 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 856385 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 856387 | xxxxxx | xxxxxx C | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 856514 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 856522 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 856532 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 856535 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 856581 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 856609 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 856635 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 856669 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 856671 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 856677 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 856687 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 856688 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 856689 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 856744 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 856749 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 856754 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 856758 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 856762 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 856769 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 856808 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 856859 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 856865 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 856871 | xxxxxx | xxxxxx C | N/A C B | N/A B | A | A | N/A | A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 856931 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 856974 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857003 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 857020 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857149 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857154 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 857194 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 857210 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 857244 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857255 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D A | A B | B A | A B | B |
| 857257 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857259 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857264 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 857270 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 857279 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 857296 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857298 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 857325 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 857331 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 857346 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 857364 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| 857370 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 857379 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 857386 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D A | A B | B A | A B | B |
| 857413 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857436 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 857438 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857440 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857449 | xxxxxx | xxxxxx D | D A | A | C | C | C | C D | D B | B A | A | A B | B |
| 857496 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 857505 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 857509 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 857535 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857554 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 857600 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857653 | xxxxxx | xxxxxx D | N/A D B | N/A B | A | A | N/A | A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 857695 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 857718 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D B | B A | A | A B | B |
| 857730 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 857753 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| 857764 | xxxxxx | xxxxxx C | C D | D | A | A | A | A D | D A | A | A | A | A |
| 857791 | xxxxxx | xxxxxx D | N/A D B | N/A B | A | A | N/A | A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 857794 | xxxxxx | xxxxxx A | A B | B | A | A | A | A B | B A | A B | B A | A B | B |
| 857801 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 857861 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 857866 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857868 | xxxxxx | xxxxxx D | N/A D B | N/A B | A | A | N/A | A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 857873 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D B | B A | A | A B | B |
| 857875 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 857878 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 857892 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| 857901 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A B | B A | A B | B |
| 857909 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D A | A B | B A | A B | B |
| 857912 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 857915 | xxxxxx | xxxxxx D | D A | A | C | C | C | C D | D A | A | A | A | A |
| 857924 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A | A | A | A |
| 857929 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 857932 | xxxxxx | xxxxxx A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 857974 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 857981 | xxxxxx | xxxxxx D | N/A D B | N/A B | A | A | N/A | A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 857984 | xxxxxx | xxxxxx C | C A | A | C | C | C | C | C A | A | A | A | A |
| 857986 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 857988 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 858054 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858058 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858069 | xxxxxx | xxxxxx C | N/A C B | N/A B | A | A | N/A | A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 858071 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858074 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C B | B A | A | A B | B |
| 858078 | xxxxxx | xxxxxx D | D A | A | D | D | D | D | D A | A | A | A | A |
| 858096 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858098 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858109 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858132 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 858180 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858205 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858243 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858355 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858363 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858407 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 858409 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858506 | xxxxxx | xxxxxx D | D | D | A | A | A | A D | D A | A | A | A | A |
| 858513 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858514 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858518 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C A | A | A | A | A |
| 858530 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858548 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858564 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858566 | xxxxxx | xxxxxx D | D | D | A | A | A | A D | D A | A B | B A | A B | B |
| 858567 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858570 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C A | A B | B A | A B | B |
| 858573 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858577 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A B | B A | A B | B |
| 858578 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| 858582 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858584 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D A | A B | B A | A B | B |
| 858588 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858590 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A B | B A | A B | B |
| 858592 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858594 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858599 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858603 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858604 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858609 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858615 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 858617 | xxxxxx | xxxxxx A | A B | B | A | A | A | A B | B A | A B | B A | A B | B |
| 858620 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858632 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858649 | xxxxxx | xxxxxx D | N/A D | N/A D | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 858653 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 858655 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A | A | A | A |
| 858670 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858677 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858681 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858689 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 858690 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858693 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858695 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858708 | xxxxxx | xxxxxx A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | N/A | N/A |
| 858715 | xxxxxx | xxxxxx A | A B | B | A | A | A | A B | B A | A | A | A | A |
| 858731 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D B | B A | A | A B | B |
| 858733 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C A | A | A | A | A |
| 858744 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858774 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A B | B A | A B | B |
| 858777 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858797 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858804 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858806 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| 858809 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 858810 | xxxxxx | xxxxxx D | N/A D | N/A D | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 858813 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858824 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858851 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858854 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858858 | xxxxxx | xxxxxx C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 858860 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858876 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858881 | xxxxxx | xxxxxx C | N/A C | N/A C | C | C | N/A | C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 858884 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858891 | xxxxxx | xxxxxx D | D A | A | C | C | C | C D | D A | A | A B | B | B |
| 858913 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858917 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A | A | A | A |
| 858921 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| 858925 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858937 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858938 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 858940 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858941 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 858943 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 858956 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 858973 | xxxxxx | xxxxxx C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | N/A | N/A |
| 858976 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859027 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859033 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| 859039 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859045 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859046 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859057 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859084 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859085 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859087 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859090 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 859104 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859134 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859136 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859146 | xxxxxx | xxxxxx A | A B | B | A | A | A | A B | B A | A B | B A | A B | B |
| 859153 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| 859199 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859201 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D B | B A | A | A B | B |
| 859202 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859203 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859207 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859208 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859209 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859210 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859211 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859212 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859213 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859214 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 859215 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859216 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 859217 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859218 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 859219 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A | A | A | A |
| 859220 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859222 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859223 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859224 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 859225 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D A | A B | B A | A B | B |
| 859226 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C B | B | B A | A B | B |
| 859237 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A | A | A | A |
| 859254 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859264 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859267 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| 859272 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859273 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859281 | xxxxxx | xxxxxx A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | N/A | N/A |
| 859316 | xxxxxx | xxxxxx A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | N/A | N/A |
| 859320 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859609 | xxxxxx | xxxxxx C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | N/A | N/A |
| 859659 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859679 | xxxxxx | xxxxxx A | N/A B | N/A B | A | A | N/A | A B | N/A B | N/A | N/A | N/A | N/A |
| 859680 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859704 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C A | A B | B A | A B | B |
| 859705 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859767 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859768 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859769 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 859770 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859773 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859774 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859781 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 859785 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859786 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859788 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859789 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859791 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C A | A B | B A | A B | B |
| 859796 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859826 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859828 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859839 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859840 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859851 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 859859 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 859863 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A B | B A | A B | B |
| 859864 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A | A | A | A |
| 859871 | xxxxxx | xxxxxx A | A D | D | A | A | A | A D | D A | A | A | A | A |
| 859872 | xxxxxx | xxxxxx D | D C | C | C | C | C | C D | D A | A | A | A | A |
| 859873 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859874 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 859876 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859884 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D A | A | A | A | A |
| 859885 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859886 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859888 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 859890 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859892 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859893 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D B | B A | A | A B | B |
| 859894 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859895 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 859897 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859943 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859945 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 859951 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859970 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859975 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859984 | xxxxxx | xxxxxx A | A D | D | A | A | A | A D | D A | A | A | A | A |
| 859986 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 859999 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860005 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860083 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 860134 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 860135 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860252 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860330 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C A | A B | B A | A B | B |
| 860401 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860406 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A | A | A | A |
| 860408 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860410 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 860419 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860462 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 860480 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 860487 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
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| 860489 | xxxxxx | xxxxxx A | A D | D | A | A | A | A D | D A | A | A | A | A |
| 860490 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860493 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860494 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 860495 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A B | B A | A B | B |
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| 860501 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860562 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 860569 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860578 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860595 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860596 | xxxxxx | xxxxxx C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | N/A | N/A |
| 860661 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
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| 860675 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 860676 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A | A | A | A |
| 860677 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
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| 860692 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
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| 860752 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860755 | xxxxxx | xxxxxx A | A B | B | A | A | A | A B | B A | A B | B A | A B | B |
| 860770 | xxxxxx | xxxxxx C | C D | D | A | A | A | A D | D A | A | A | A | A |
| 860793 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 860804 | xxxxxx | xxxxxx A | A D | D | A | A | A | A D | D A | A | A | A | A |
| 860834 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 860837 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860843 | xxxxxx | xxxxxx A | A B | B | A | A | A | A B | B A | A B | B A | A B | B |
| 860846 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 860904 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860910 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860914 | xxxxxx | xxxxxx A | A | A | C | C | C | C | C A | A | A | A | A |
| 860916 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 860917 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860927 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 860960 | xxxxxx | xxxxxx A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | N/A | N/A |
| 861102 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861103 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 861113 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861318 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 861386 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 861387 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 861390 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861391 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861393 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861395 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861396 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 861397 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861399 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 861400 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 861592 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A | A | A | A |
| 861610 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861616 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861620 | xxxxxx | xxxxxx A | A D | D | A | A | A | A D | D A | A | A | A | A |
| 861622 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861623 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861626 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 861628 | xxxxxx | xxxxxx A | A B | B | A | A | A | A B | B A | A B | B A | A B | B |
| 861629 | xxxxxx | xxxxxx C | C D | D | A | A | A | A D | D A | A B | B A | A B | B |
| 861632 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861634 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861636 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861639 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861642 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861643 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861666 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 861668 | xxxxxx | xxxxxx C | C | C | A | A | A | A C | C A | A | A | A | A |
| 861680 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C B | B A | A | A B | B |
| 861684 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A | A | A | A |
| 861688 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 861691 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 861692 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A | A | A | A |
| 861693 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D B | B A | A | A B | B |
| 861699 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 861707 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 2000011621 | xxxxxx | xxxxxx C | C A | A | A | A | A | A C | C A | A | A | A | A |
| 2000011626 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 2000011636 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 2000011652 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 2000011689 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 2000011691 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 2000011700 | xxxxxx | xxxxxx A | A C | C | A | A | A | A C | C A | A B | B A | A B | B |
| 2000011701 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 2000011727 | xxxxxx | xxxxxx A | N/A D | N/A D | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 2000011729 | xxxxxx | xxxxxx C | C B | B | A | A | A | A C | C B | B A | A | A B | B |
| 2000011733 | xxxxxx | xxxxxx A | N/A B | N/A B | A | A | N/A | A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 2000011740 | xxxxxx | xxxxxx A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | N/A | N/A |
| 2000011745 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 2000011759 | xxxxxx | xxxxxx D | D C | C | A | A | A | A D | D A | A B | B A | A B | B |
| 2000011778 | xxxxxx | xxxxxx A | N/A B | N/A B | A | A | N/A | A B | N/A B | N/A | N/A | N/A | N/A |
| 2000011787 | xxxxxx | xxxxxx D | N/A D B | N/A B | A | A | N/A | A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 2000011788 | xxxxxx | xxxxxx D | D A | A | A | A | A | A D | D A | A | A | A | A |
| 2000011792 | xxxxxx | xxxxxx A | N/A B | N/A B | A | A | N/A | A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 2000011807 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 2000011814 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A | A | A | A |
| 2000011817 | xxxxxx | xxxxxx D | N/A D C | N/A C | A | A | N/A | A D | N/A D | N/A | N/A | N/A | N/A |
| 2000011838 | xxxxxx | xxxxxx A | A D | D | B | B | B | B D | D A | A B | B A | A B | B |
| 2000011841 | xxxxxx | xxxxxx D | D B | B | A | A | A | A D | D A | A B | B A | A B | B |
| 2000011842 | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A | A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 2000011845 | xxxxxx | xxxxxx A | N/A B | N/A B | A | A | N/A | A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 2000011869 | xxxxxx | xxxxxx C | C D | D | A | A | A | A D | D A | A | A | A | A |
| 2000011870 | xxxxxx | xxxxxx C | N/A C B | N/A B | A | A | N/A | A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 2000011909 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A |
| 2000011933 | xxxxxx | xxxxxx A | A B | B | A | A | A | A B | B A | A B | B A | A B | B |

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## Exhibit 99.19

**EXHIBIT 99.19**

**Clarifii data compare report**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 846238 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 846238 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per note |
| 846496 | xxxxxx | xxxxxx | Property County | deedOfTrustPage | xxxxxx | xxxxxx | Cross Collateral - Property Data |
| 847741 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.375 | 0.0738 | Per Note |
| 847741 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 847741 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Foreign national per 1003 |
| 849067 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 849118 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 776 | 780 | Per Credit Report |
| 849527 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 849578 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 849578 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 57 | 60.00 | Per Appraisal |
| 849578 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 849578 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 57 | 60.00 | Per Appraisal |
| 849578 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 57 | 0.00 | Per Appraisal |
| 849578 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per CD |
| 850191 | xxxxxx | xxxxxx | Sales Price | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD; transaction is a Refinance not Purchase. |
| 850191 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note in file |
| 850191 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 74.50 | Audit LTV "Appraised Value/Loan Amount" |
| 850191 | xxxxxx | xxxxxx | Loan Purpose | the1003Page | Refinance | Purchase | Per CD and loan approval, transaction was a rate/term refinance. |
| 850234 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per the note |
| 850234 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title |
| 850768 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 704 | 706 | Per credit |
| 850959 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.375 | 0.0738 | Per Note |
| 850959 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851476 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.961 | 0.965853846995873 | Audited taxes and HOA dues differ |
| 851476 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.25 | 0.0725 | Per note |
| 851476 | xxxxxx | xxxxxx | Borrower 2 SSN | the1003Page | xxxxxx | xxxxxx | Foreign national. |
| 851741 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per note |
| 852251 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per Appraisal |
| 852296 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 852296 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 852358 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note. |
| 852358 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 64.13 | 65.00 | Audit LTV matches lenders LTV |
| 852367 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title and PUD Rider and appraisal |
| 852850 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 852879 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.35 | 41.00 | Audit doesn't include self-reported utilities |
| 852879 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 853156 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | As per Final CD |
| 853339 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 853381 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 773 | 764 | Mid-score per credit report. |
| 853381 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 2 | Per Appraisal |
| 853381 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per Appraisal |
| 853397 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.6 | 45.10 | audit in line with 1008 |
| 853397 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 853494 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 5 | Per Appraisal 6 units |
| 853519 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 57.3 | 57.50 | Audit LTV = loan amount / appraised value. |
| 853645 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title, appraisal |
| 853794 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 26.06 | 6.00 | used cashout for reserves |
| 853806 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 805 | 799 | Per credit report |
| 853806 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 853839 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.57 | 34.69 | DTI variance due to Income is lower than as calculate by lender. |
| 853839 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 853878 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 75 | 0.00 | audit LTV match the 1008 |
| 854148 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD/Settlement Statement |
| 854148 | xxxxxx | xxxxxx | Borrower 2 First Name | notePage | xxxxxx | xxxxxx | Per Note.B1 and B2 on 1003 were input wrong |
| 854148 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per Note.B1 and B2 on 1003 were input wrong |
| 854182 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.84 | 21.60 | Matches 1008 |
| 854182 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 72.49 | 72.61 | Matches 1008 |
| 854182 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 854211 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854277 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | per Note |
| 854323 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.875 | 7.0000 | Per note |
| 854323 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Appraisal |
| 854457 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 854505 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854661 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per 1004 |
| 854927 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.16 | 11.88 | Borrower paid off REO 3b mortgage with subject loan. |
| 854980 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per appraisal |
| 854983 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 855150 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 855150 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 855150 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Permanent Resident Card |
| 855167 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.85 | 39.19 | It appears lender used 100% of income calculated from bank statements. |
| 855167 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 855464 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 855552 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per mortgage. |
| 855552 | xxxxxx | xxxxxx | Loan Purpose | the1003Page | Refinance | Purchase | Per DU Findings |
| 855553 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Address changed once new build was completed. |
| 855553 | xxxxxx | xxxxxx | Loan Purpose | the1003Page | Refinance | Purchase | Construction/Perm refinance loan |
| 855555 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per Note. Tape has first name misspelled |
| 855555 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.99 | 6.7500 | Per Note |
| 855555 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 90 | 89.57 | Loan amount/Appraised value |
| 855555 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per CD and sales contract |
| 855628 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | per Note |
| 855628 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 855638 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | As per Note, etc |
| 855638 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per note |
| 855638 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 54.86 | 51.43 | per 1008 |
| 855652 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 855663 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 4 | Per appraisal. |
| 855670 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855671 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | From appraisal report |
| 855765 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 701 | 717 | Per Credit Report |
| 856090 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 856092 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 856156 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 37.77 | 38.43 | Audit matches lender CLTV |
| 856156 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 37.77 | 38.43 | Audit matches Lender LTV . |
| 856369 | xxxxxx | xxxxxx | Interest Only Flag | notePage | Yes | No | Per note |
| 856522 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final Settlement |
| 856522 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Verified on appraisal. |
| 856535 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.375 | 8.4900 | Per Note |
| 856581 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.63 | 38.71 | Audit DTI matches Lender DTI on 1008 |
| 856609 | xxxxxx | xxxxxx | Subject Property Gross Rental income | businessPurposePage | 3520 | 0 | Per the 1007 |
| 856609 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per 1003 & 1008 |
| 856609 | xxxxxx | xxxxxx | Borrower 1 How was title held? | the1003Page | Not Provided | Jointly | per 1003 |
| 856609 | xxxxxx | xxxxxx | Borrower 1 Years in Current Home | the1003Page | 1.83 | 10 | per 1003 |
| 856609 | xxxxxx | xxxxxx | Amount of Other Lien | titlePage | xxxxxx | xxxxxx | No other lien noted |
| 856635 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | Investor Solutions_DSCR | Standard LCOR | Per 1008/Loan Approval |
| 856635 | xxxxxx | xxxxxx | Subject Property Gross Rental income | businessPurposePage | 5066.66 | 0 | Audit used STR at 80% |
| 856635 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per final 1003 |
| 856635 | xxxxxx | xxxxxx | Borrower 1 How was title held? | the1003Page | Not Provided | Jointly | Per final 1003 |
| 856635 | xxxxxx | xxxxxx | Borrower 1 Years in Current Home | the1003Page | 1.83 | 10 | Per final 1003 |
| 856671 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per note |
| 856671 | xxxxxx | xxxxxx | Loan Purpose | the1003Page | Refinance | Purchase | Per 1008, 1003 |
| 856677 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 856687 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Appraisal |
| 856688 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.25 | 25.04 | Lender did not exclude large deposits or use the correct ownership percentage or expense factor. |
| 856688 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 47.93 | 39.49 | See appraisal and full loan amount for current primary. Deferred balance to be included. Matches 1008. |
| 856689 | xxxxxx | xxxxxx | Property County | deedOfTrustPage | xxxxxx | xxxxxx | Per Appraisal |
| 856689 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per appraisal |
| 856754 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title and Pud Rider. |
| 856808 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 856865 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.26 | 34.29 | Audit matches with loan approval |
| 856865 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 68.77 | 0.00 | LTV confirmed - see appraisal |
| 856871 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.92 | 46.05 | Lender did not include a debt reporting on the credit report |
| 856931 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.19 | 13.94 | Lender does not include the owned 7 unit property however guides do not state it can be excluded. |
| 856931 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 856931 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 72.94 | 72.60 | Audit in line with 1008, tape source unknown |
| 856931 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 72.94 | 72.60 | Audit in line with 1008, tape source unknown |
| 856974 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 698 | 686 | Per mid-score of borrower's credit report. |
| 856974 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per executed Note in file |
| 857149 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | As per Audit, Appraisal, etc |
| 857154 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.99 | 36.00 | Audit DTI w/in tolerance of lenders per 1008 |
| 857154 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 857154 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 55.68 | 64.52 | Audit LTV matches lenders per 1008 |
| 857244 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 9.23 | 11.00 | Audit inputted 85% of the balance because the account is in the name of the business and the borrower only owns 85% of the business |
| 857244 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 12486.13 | 14689.00 | Audit inputted 85% of the balance because the account is in the name of the business and the borrower only owns 85% of the business |
| 857255 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.23 | 37.26 | Audit in line with the 1008 |
| 857257 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 62.5 | 0.00 | Matches 1008 |
| 857257 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Appraisal |
| 857259 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 857270 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.55 | 32.44 | Variance due to higher REO loss. |
| 857296 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 857364 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 857364 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per executed note |
| 857364 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | per 1003 |
| 857386 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per ARM Rider |
| 857413 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.62 | 31.00 | Matches 1008. |
| 857436 | xxxxxx | xxxxxx | Initial Monthly P&I Or IO Payment | notePage | 1084.69 | 108469.00 | Per note |
| 857436 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 0.0712 | Per Note |
| 857438 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per Note |
| 857438 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 857440 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.51 | 22.14 | Matches 1008 |
| 857440 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per executed Note in file |
| 857440 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 857449 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.94 | 35.35 | Variance due to higher monthly debt/auto payment |
| 857449 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 857449 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 80 | 0.00 | Per Appraisal/ Contract |
| 857505 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note. |
| 857505 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 857509 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.89 | 40.00 | Matches 1008 |
| 857509 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per note |
| 857509 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per note |
| 857535 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 807 | 791 | Per Credit Report |
| 857535 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note. |
| 857535 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 68.83 | 69.00 | Loan Amount/Sales Price. |
| 857535 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 68.83 | 69.00 | Loan Amount/Sales Price. |
| 857554 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | Investor Solutions_DSCR | xxxxxx | Per notes - For DSCR loans – use Verus Investor guidelines |
| 857600 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 857718 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 811 | 806 | Audit value is primary wage earner middle score per guidelines. |
| 857718 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.47 | 41.37 | Audit calculated on lower income. |
| 857718 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 857730 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per note |
| 857753 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | PER APPRAISAL |
| 857794 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Appraisal |
| 857794 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 76.92 | 0.00 | HLTV matches approval |
| 857801 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per note |
| 857801 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per note |
| 857866 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 857868 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Appraisal |
| 857873 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.24 | 37.53 | Audit DTI in line with lender DTI on 1008. |
| 857875 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 857909 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 80 | 0.00 | Matches 1008 |
| 857915 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.63 | 25.04 | Audit DTI matches lenders per 1008 |
| 857915 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 857915 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 857915 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per title, appraisal |
| 857924 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.13 | 36.40 | DTI difference is due to the lower re-calculated income |
| 857924 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per 1008 and PUD rider to DOT. |
| 857929 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.21 | 31.08 | Audit calculated less income |
| 857929 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit captured sales price per purchase contract, not appraised value. |
| 857981 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 57.47 | 15.92 | 1st + 2nd Mortgages/Appraised Value |
| 857984 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 4 | per Appraisal |
| 857988 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 858054 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per note |
| 858054 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title and appraisal |
| 858074 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.36 | 15.88 | Due to audit did not include current primary which does not belong to borrower. |
| 858078 | xxxxxx | xxxxxx | Initial Monthly P&I Or IO Payment | notePage | 5412.67 | 5125.89 | Per Note in File |
| 858078 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note in File |
| 858078 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note in File |
| 858078 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 4 | 1 | Appraisal reflects 4 units (3 residiential, 1 commercial) |
| 858078 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Other | Per Appraisal, unit 1 is a commercial space. |
| 858096 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.47 | 39.52 | Audit matches all lender figures on Final 1003. Tape Data unknown |
| 858180 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 858180 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.75 | 0.0675 | Per Note |
| 858205 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 858243 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per appraisal |
| 858409 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 858530 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 64.05 | 0.00 | cash out proceeds |
| 858530 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.298 | 1.0387 | Lender did not provide a breakout of DSCR calc. Audit PITI and Rents from 1008 matches lenders |
| 858548 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.67 | 40.81 | DTI matched 1008 |
| 858566 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per mortgage rider |
| 858573 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 5 | Per Appraisal. |
| 858582 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.11 | 38.58 | Matches 1008 |
| 858582 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 858582 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 858582 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 65 | 62.50 | Matches 1008 |
| 858588 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per pccd |
| 858590 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | As per CD |
| 858592 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 858594 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.23 | 42.34 | Audit DTI w/in tolerance of lenders DTI per 1008 |
| 858599 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.48 | 40.37 | Audit DTI within 2% of 1008 DTI.Variance due to audit income calculated slightly higher than lender and non mtg debts calculated slightly lower in audit. |
| 858599 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 75 | 0.00 | Matches 1008 |
| 858603 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title, appraisal |
| 858609 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per title, appraisal |
| 858615 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 858615 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per note |
| 858617 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | Primary Residence | Per final 1003 |
| 858620 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.92 | 6.54 | Audit DTI within 2% of Lender DTI on 1008 |
| 858620 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title and appraisal |
| 858649 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.21 | 40.00 | Audit matches 1008 |
| 858649 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.46 | 79.73 | Matches Lenders 1008 the CLTV |
| 858653 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 669 | 690 | per credit report |
| 858653 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.1 | 39.97 | DTI variance due to higher monthly liability payment. |
| 858653 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 7.3750 | Per note |
| 858653 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 858653 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 61.82 | 70.00 | per loan amount and appraisal |
| 858653 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 61.82 | 70.00 | per loan amount and appraisal |
| 858655 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.69 | 36.30 | Audit within 2% of 1008 |
| 858655 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per note |
| 858655 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 858655 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70 | 70.83 | per 1008 - per appraisal/note |
| 858655 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 70.83 | per 1008 - per appraisal/note |
| 858681 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal report/Pud Rider |
| 858689 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 858695 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.87 | 47.13 | Auditor DTI matches the DTI on the 1008 |
| 858708 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 858731 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 80 | 0.00 | matches 1008 |
| 858733 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.34 | 13.69 | audit in line with 1008 |
| 858797 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 858797 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 69.29 | 0.00 | Per approval |
| 858806 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 0.84 | Not DSCR |
| 858806 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.89 | 36.54 | Audit calculated higher income |
| 858806 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR 1099 | Other Bank Statements | Per 1099 provided |
| 858806 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 59.99 | 60.00 | Per appraisal |
| 858810 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 12-26-2025 | 01/22/2026 | Per C.O.C |
| 858854 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per intiial 1003 |
| 858854 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | CashOut | Per CD |
| 858860 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.12 | 48.15 | audit matches 1008 |
| 858876 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 858881 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 858881 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 858881 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per final 1003 |
| 858884 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.21 | 39.16 | Lender used rents from tent occupied units in O/O subject without leases or documentation of rent receipt |
| 858891 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.1 | 38.62 | match with 1008 |
| 858891 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note in file |
| 858891 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 50 | 83.78 | Match with 1008 |
| 858891 | xxxxxx | xxxxxx | Occupancy | the1003Page | Investment | Primary Residence | Per 1003 in file |
| 858913 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 858917 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per executed note in file. |
| 858925 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.82 | 50.60 | DTI difference from REO rental income. Based on Schedule E and not leases |
| 858925 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 75 | 0.00 | Matches 1008 |
| 858937 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 858937 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 858938 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 858938 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 858943 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 858956 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per appraisal |
| 858976 | xxxxxx | xxxxxx | Term | notePage | 240 | 360 | Per note |
| 858976 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per note |
| 859033 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.8 | 49.06 | Audit DTI matches Lender DTI on 1008 |
| 859033 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859033 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 60 | 58.10 | Audit CLTV matches Lender CLTV on 1008 |
| 859033 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 29.94 | 29.02 | Audit LTV matches Lender LTV on 1008 |
| 859039 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per note |
| 859039 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 859045 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per note |
| 859084 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.49 | 35.25 | Audit calculated a higher total arm qualifying payment. |
| 859084 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 859084 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 859084 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 859085 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.6 | 44.03 | client counting incorrect mortgage amount for 3C |
| 859085 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 859087 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 859136 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | PER FINAL CD |
| 859136 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | PER NOTE |
| 859146 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 859153 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.73 | 32.08 | Income lower. Lender did not exclude certain ineligible deposits. |
| 859199 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 5979.42 | 44.00 | Per asset statement |
| 859199 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 859199 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | First and middle name. |
| 859201 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 38100.79 | 53.00 | Confirmed from asset statement in file |
| 859201 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per initial 1003 |
| 859201 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per note |
| 859201 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per note |
| 859201 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | false | TRUE | per 1003-currently owns mobile home |
| 859202 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 21038.44 | 21.00 | Per asset statements |
| 859202 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Stmt |
| 859202 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per application |
| 859202 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.382 | 1.322 | Lender used higher estimated taxes versus verified taxes |
| 859203 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 55475.85 | 17.00 | Assets provided and input |
| 859203 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD/Settlement Statement |
| 859203 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 859207 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 859207 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 859207 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per Note |
| 859208 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 318785.89 | 146.00 | Verified funds with bank statement provided |
| 859208 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 859208 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 859208 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 859208 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 16875 | 18750.00 | Per Note |
| 859209 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 80757.54 | 51.00 | Assets in file |
| 859209 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 859209 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859209 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 859210 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 55676.13 | 13.00 | Verified with asset statements provided |
| 859210 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 859210 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note |
| 859211 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial App |
| 859211 | xxxxxx | xxxxxx | Property Attachment Type | propertyValuationPage | Attached | Detached | confirmed per appraisal |
| 859212 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 371.49 | 76.00 | Per bank statements |
| 859212 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 859212 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 859213 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 859213 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859215 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 219072.35 | 88.00 | Audit included cash out |
| 859215 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per credit report |
| 859215 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 2.039 | 2.105 | Missing lender DSCR calculation for comparison |
| 859215 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per note |
| 859216 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 859216 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 859216 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859216 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 859216 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 12-11-2025 | 11/12/2025 | Per Lock Confirmation |
| 859217 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 40519.76 | 11.00 | Per bank statement |
| 859217 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859218 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 8208.73 | 22.00 | Verified with asset statements provided |
| 859218 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Used signed borrower settlement statement |
| 859218 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per executed final settlement statement |
| 859218 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.985 | 0.986 | Audit calculated property tax per appraised value |
| 859222 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per settlement statement in file |
| 859222 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note. Different date format |
| 859223 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 859223 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.825 | 0.777 | 1007/PITIA. Variance due to taxes |
| 859223 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 859224 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 136236.87 | 41.00 | Per asset statement |
| 859224 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 859224 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per note |
| 859224 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 859225 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 8283.51 | 153.00 | Per asset documentation |
| 859225 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per initial 1003 |
| 859225 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per note |
| 859254 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859254 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 66.87 | Loan amount/Appraisal |
| 859254 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70 | 66.87 | Loan amount/Appraisal |
| 859254 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 70 | 0.00 | Loan amount/Appraisal |
| 859264 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal subj is a SFR located within a PUD |
| 859272 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.07 | 38.90 | audit calculated higher total debt. |
| 859272 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title |
| 859316 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 859320 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.71 | 48.26 | difference was due to the Rental income calculation |
| 859659 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 708 | 700 | Per credit report |
| 859679 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.1 | 49.90 | DTI within 2% of DTI on rate lock. Tape data unknown |
| 859679 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.83 | 79.93 | 1st + 2nd Mortgages/Appraised Value |
| 859704 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 859705 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 859705 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 859770 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.18 | 22.95 | Variance due to higher REO loss. |
| 859773 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | subject is SFR located within a PUD |
| 859826 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 859839 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per note |
| 859840 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal subj is a SFR located within a PUD |
| 859851 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.99 | 38.08 | DTI in line with DTI on 1008 |
| 859851 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal Subject is a PUD. Lender is also correct as a PUD in the 1008. |
| 859859 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per appraisal |
| 859863 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 859864 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 859871 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | As per App |
| 859871 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | As per Appraisal |
| 859872 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per note |
| 859872 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 859873 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 19467.67 | 5.00 | Confirmed per statements |
| 859873 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | PER EXECUTED NOTE |
| 859873 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Audit qualified at sales price |
| 859874 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 6398.75 | 4.00 | Per assets |
| 859874 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 859874 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 859874 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 859874 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 12-11-2025 | 01/22/2026 | Per Lock Confirmation |
| 859876 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 152655.67 | 66.00 | Per assets provided |
| 859876 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | Non Agency NQM | Per tape |
| 859876 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR 1099 | K-1 Only - 24 Months | No other option |
| 859876 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per note & docs in file |
| 859884 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 19276.08 | 25.00 | Per asset docs |
| 859884 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Full Doc | Traditional Full Documentation - 2 year | Retirement income supported by bank statement and YTD docs. |
| 859884 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 859885 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 2597175.66 | 135.00 | Audit used assets in the loan file and includes cash back proceeds. |
| 859885 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 859885 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 859886 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 859886 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridCdPageInitial | 01-22-2026 | 01/20/2026 | Per Loan Estimate |
| 859888 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per executed Note in file |
| 859888 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per executed Note in file |
| 859890 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 859890 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per note & docs in file |
| 859892 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per note |
| 859892 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per note |
| 859892 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per note |
| 859892 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note |
| 859894 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 859895 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 123128.24 | 21.00 | Per assets |
| 859895 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 859895 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per note - Loan originator organization NMLS # |
| 859897 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per note |
| 859943 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Appraisal indicates property is a PUD |
| 859970 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per executed Note in file |
| 859970 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per 1008 in file |
| 859975 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 859984 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 859999 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.84 | 45.00 | audit matches final approval and 1008 |
| 860005 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 5.84 | 2.54 | Audit DTI in line with final 1008 |
| 860005 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final cd |
| 860134 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per final cd |
| 860135 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.78 | 41.39 | Variance as higher qualifying P&I, based on higher fully indexed rate as required by guidelines, lender used start rate. |
| 860252 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.78 | 50.00 | Audit matches Lender 1008/Tape Data Unknown |
| 860330 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 860401 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.88 | 33.83 | REO qualified at Full PITI as no lease submitted |
| 860408 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 860410 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 860419 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per cd |
| 860462 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.92 | 43.02 | Audit DTI matches Lender DTI on 1008 |
| 860462 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per note |
| 860462 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 71.29 | 72.58 | Matches 1008 |
| 860462 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 71.29 | 72.58 | Matches 1008 |
| 860462 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 860462 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 71.29 | 0.00 | Matches 1008 |
| 860480 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 860487 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 65 | 0.00 | matches 1008 |
| 860488 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal Report |
| 860496 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 860569 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 860578 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.01 | 33.26 | Audit matched 1008 in file |
| 860578 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per purchase agreement |
| 860595 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property is in a PUD |
| 860661 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 51390.78 | 73.00 | per assets in file |
| 860661 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD in file. Different date format. |
| 860661 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note. Different date format. |
| 860661 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note. Different date format. |
| 860661 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 01-12-2026 | 12/01/2026 | Per initial rate lock. Different date format. |
| 860663 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 15196.79 | 6.00 | Per bank statements |
| 860663 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | Non Agency NQM | per tape |
| 860663 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 860663 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860663 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860663 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860663 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 860663 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 01-09-2026 | 09/01/2026 | Per Revised LE |
| 860668 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 860669 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | As per CD |
| 860669 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | As per Note |
| 860669 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | As per Note |
| 860675 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 860675 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per PCCD |
| 860675 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per note |
| 860675 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 01-27-2026 | 01/20/2026 | per lock confirmation |
| 860676 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 19939.27 | 18.00 | Per combined bank statement |
| 860676 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 860676 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860676 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per note |
| 860677 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per initial 1003 |
| 860677 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per final CD |
| 860677 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per executed note |
| 860683 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 860683 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 15387.84 | 17461.06 | Per note |
| 860683 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | per Appraisal |
| 860683 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per final 1003 |
| 860687 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 733 | 760 | lower of 2 borrowers |
| 860687 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860687 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860687 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860687 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per executed Note in file; tape value is Loan Originator NMLS |
| 860688 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per note |
| 860688 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per CD |
| 860690 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 154084.38 | 0.00 | Per Bank statements |
| 860690 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 860690 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860690 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 860690 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | false | TRUE | Per 1003 |
| 860692 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 61437.46 | 34.00 | per bank statement |
| 860692 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per initial 1003 |
| 860693 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 860693 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 860693 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 860693 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 860693 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860693 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 53.87 | 54.93 | Loan Amount/Appraised Value. |
| 860693 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 53.87 | 54.93 | Loan Amount/Appraised Value. |
| 860693 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 860693 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal. |
| 860693 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 12-22-2025 | 01/28/2026 | Per Mavent |
| 860705 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 350149.86 | 83.00 | Per asset statements |
| 860705 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial CD |
| 860705 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860705 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860705 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 860708 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 860708 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Final Note. |
| 860712 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 28470.24 | 20.00 | Per assets |
| 860712 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 860712 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per PCCD |
| 860712 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860712 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per note |
| 860770 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per 1008 |
| 860834 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860837 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final Cd |
| 860843 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.37 | 37.00 | Audit DTI matches Lender DTI on 1008 |
| 860843 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | PER NOTE. |
| 860843 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal/Title |
| 860927 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.97 | 36.64 | Audit DTI matches Lender DTI on 1008 |
| 861113 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 861113 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and PUD Rider |
| 861318 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.97 | 41.21 | Lender used unsupported subject taxes and HOI |
| 861387 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal Report. |
| 861391 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.83 | 24.03 | Less debt calculated, however within guideline. |
| 861395 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 861399 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per 1008 |
| 861400 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per 1008 & PUD Rider. |
| 861592 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 861626 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861626 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Attached | Per Appraisal Site condo |
| 861629 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 861632 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 861634 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861642 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.13 | 39.96 | Variance as excluded REO payment as sold. |
| 861643 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 861666 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 861666 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 861666 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861666 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861680 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 6330.5 | 12.00 | Per bank statements |
| 861680 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861680 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861680 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 02-06-2026 | 04/02/2026 | Per Rate Lock |
| 861684 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 37231.55 | 37.00 | Per bank statements |
| 861684 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note |
| 861684 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 861684 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | Per 1003 |
| 861684 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 02-11-2026 | 11/02/2026 | Per final Lock Confirmation |
| 861688 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 431673.17 | 21.00 | per asset statements |
| 861688 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 861688 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 786 | 789 | per credit report, middle of three scores used |
| 861688 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per note |
| 861688 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per 1003 |
| 861688 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 02-09-2026 | 09/02/2026 | Per final Lock Confirmation |
| 861692 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 137392.87 | 17.00 | per asset statement |
| 861692 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Application |
| 861692 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 861692 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861692 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861692 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | per appraisal |
| 861707 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 291006.37 | 101.00 | per CD cash to borrower |
| 861707 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 861707 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 0.64 | Per 1008 not a DSCR |
| 861707 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per note |
| 2000011621 | xxxxxx | xxxxxx | Loan Originator Name | notePage | xxxxxx | xxxxxx | Per Note |
| 2000011792 | xxxxxx | xxxxxx | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Audit is program, tape data is guideline |
| 2000011841 | xxxxxx | xxxxxx | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | True data is matrix, Tape data is guidelines. |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**clarifii atr qm report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 843145 | 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 |
| 846238 | 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 |
| 846496 | 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 |
| 847741 | 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 |
| 849067 | 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 |
| 849118 | 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 |
| 849527 | 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 | 11412.5 | 7.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15987.78 | Yes | Employed |  | No |  | No |  |
| 849578 | 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 |
| 849976 | 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 | 5995 | 7.517 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16990.26 | Yes | Employed |  | No |  | No |  |
| 850191 | 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 |
| 850234 | 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 |
| 850565 | 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 |
| 850768 | 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 |
| 850834 | 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 | 2590 | 6.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8828.73 | Yes | Employed |  | No |  | No |  |
| 850959 | 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 |
| 851112 | 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 | 4507.5 | 7.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14859.06 | Yes | Employed |  | No |  | No |  |
| 851472 | 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 |
| 851476 | 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 |
| 851666 | 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 | 27927.5 | 7.516 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19006.85 | Yes | Employed |  | No |  | No |  |
| 851687 | 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 |
| 851741 | 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 |
| 852251 | 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 |
| 852296 | 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 |
| 852358 | 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 |
| 852360 | 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 |
| 852367 | 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 |
| 852850 | 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 |
| 852879 | 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 | 8032.18 | 7.385 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13568.39 | Yes | Employed |  | No |  | No |  |
| 852904 | 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 |
| 853156 | 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 | 14862.5 | 7.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14932.27 | Yes | Employed |  | No |  | No |  |
| 853281 | 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 |
| 853339 | 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 |
| 853381 | 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 | 11175 | 7.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21677.72 | Yes | Employed |  | No |  | No |  |
| 853397 | 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 | 1718.38 | 6.183 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7283.79 | Yes | Employed |  | No |  | No |  |
| 853404 | 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 |
| 853494 | 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 |
| 853511 | 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 |
| 853513 | 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 | 2556.9 | 9.288 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3341.39 | Yes | Retired |  | No |  | No |  |
| 853519 | 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 |
| 853590 | 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 | 3466.52 | 7.882 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4669.02 | Yes | Employed |  | No |  | No |  |
| 853645 | 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 |
| 853794 | 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 |
| 853799 | 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 |
| 853806 | 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 | 6.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20688.65 | Yes | Not Employed |  | No |  | No |  |
| 853810 | 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 |
| 853811 | 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 |
| 853839 | 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 | 2195 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10202.54 | Yes | Employed |  | No |  | No |  |
| 853878 | 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 |
| 853931 | 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 |
| 853957 | 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 |
| 853983 | 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 |
| 853999 | 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 |
| 854026 | 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 |
| 854148 | 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 |
| 854157 | 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 |
| 854182 | 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 | 8740 | 9.31 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19615.92 | Yes | Employed | Employed | No | No | No |  |
| 854211 | 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 |
| 854238 | 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 |
| 854277 | 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 |
| 854280 | 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 |
| 854290 | 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 |
| 854323 | 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 | 20515.26 | Yes | Employed |  | No |  | Yes | Present |
| 854361 | 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 |
| 854435 | 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 | 4556.25 | 6.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2750.48 | Yes | Retired |  | No |  | No |  |
| 854439 | 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 |
| 854457 | 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 |
| 854494 | 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 |
| 854505 | 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 | 8846.88 | 7.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44257.16 | Yes | Employed |  | No |  | No |  |
| 854514 | 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 | 9719 | 7.458 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5510.7 | Yes | Employed |  | No |  | No |  |
| 854549 | 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 |
| 854608 | 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 |
| 854613 | 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 |
| 854661 | 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 |
| 854813 | 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 |
| 854822 | 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 |
| 854927 | 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 | 3356 | 7.421 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27350.06 | Yes | Employed |  | No |  | No |  |
| 854980 | 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 |
| 854983 | 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 |
| 854987 | 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 |
| 854999 | 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 | 11857.5 | 7.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6286.47 | Yes | Employed |  | No |  | No |  |
| 855112 | 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 | 12160 | 7.397 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15047.48 | Yes | Employed |  | No |  | No |  |
| 855150 | 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 | 27590 | 7.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43304.01 | Yes | Employed |  | No |  | No |  |
| 855166 | 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 |
| 855167 | 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 | 30321.25 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27401.74 | Yes | Employed | Employed | No | No | No |  |
| 855298 | 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 | 5029.19 | 9.113 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7082.44 | Yes | Employed |  | No |  | No |  |
| 855322 | 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 |
| 855448 | 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 |
| 855464 | 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 | 7665.63 | 6.596 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8308.16 | Yes | Employed |  | No |  | No |  |
| 855552 | 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 | 2090.28 | 5.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7522.86 | Yes | Employed |  | No |  | No |  |
| 855553 | 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 | 1588.87 | 5.559 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13071.73 | Yes | Employed |  | No |  | No |  |
| 855555 | 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 | 0 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4841.78 | Yes | Employed |  | No |  | No |  |
| 855575 | 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 | 7314 | 6.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4713.02 | Yes | Employed |  | No |  | No |  |
| 855615 | 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 |
| 855626 | 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 |
| 855628 | 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 | 15230 | 7.445 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13454.07 | Yes | Employed |  | No |  | No |  |
| 855638 | 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 |
| 855652 | 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 |
| 855656 | 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 |
| 855663 | 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 |
| 855670 | 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 |
| 855671 | 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 |
| 855765 | 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 | 6116.2 | 7.801 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3480.15 | Yes | Employed |  | No |  | No |  |
| 855796 | 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 |
| 855815 | 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 |
| 856090 | 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 |
| 856092 | 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 |
| 856156 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 5070.56 | 6.532 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1697.12 | Yes | Retired | Retired | No | No | No |  |
| 856313 | 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 | 2265 | 7.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13669.26 | Yes | Employed |  | No |  | No |  |
| 856369 | 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 |  |  |  |  | No |  | Yes | Present |
| 856385 | 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 |
| 856387 | 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 | 7695 | 7.926 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16359.66 | Yes | Employed |  | No |  | No |  |
| 856514 | 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 |
| 856522 | 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 |
| 856532 | 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 |
| 856535 | 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 |
| 856581 | 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 | 16885.15 | N/A | Employed |  | No |  | Yes | Present |
| 856609 | 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 |
| 856635 | 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 |
| 856669 | 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 |
| 856671 | 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 |
| 856677 | 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 |
| 856687 | 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 |
| 856688 | 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 | 2320 | 7.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26437.92 | Yes | Employed |  | No |  | No |  |
| 856689 | 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 |
| 856744 | 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 |
| 856749 | 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 |
| 856754 | 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 | 14115 | 6.681 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27990.97 | Yes | Employed |  | No |  | No |  |
| 856758 | 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 |
| 856762 | 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 |
| 856769 | 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 |
| 856808 | 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 |
| 856859 | 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 |
| 856865 | 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 | 2094.95 | 7.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5055.61 | Yes | Employed |  | No |  | No |  |
| 856871 | 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 | 1790 | 7.664 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7640.19 | Yes | Employed |  | No |  | No |  |
| 856931 | 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 | 2770 | 6.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 76232.03 | Yes | Employed |  | No |  | No |  |
| 856974 | 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 | 10440 | 7.647 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43207.23 | Yes | Employed |  | No |  | No |  |
| 857003 | 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 | 45850.91 | N/A | Employed |  | No |  | Yes | Present |
| 857020 | 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 |
| 857149 | 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 | 11111.9 | 7.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4480.75 | Yes | Employed |  | No |  | No |  |
| 857154 | 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 | 25254.8 | N/A | Employed |  | No |  | Yes | Present |
| 857194 | 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 |
| 857210 | 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 | 8100 | 7.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4269.13 | Yes | Employed |  | No |  | No |  |
| 857244 | 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 |
| 857255 | 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 | 10849.4 | 6.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6543.43 | Yes | Employed |  | No |  | No |  |
| 857257 | 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 |
| 857259 | 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 |
| 857264 | 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 |
| 857270 | 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 | 8995 | 7.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27626.23 | Yes | Employed |  | No |  | No |  |
| 857279 | 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 |
| 857296 | 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 |
| 857298 | 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 | 54369.72 | 7.561 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23364.18 | Yes | Employed |  | No |  | No |  |
| 857325 | 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 |
| 857331 | 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 | 2490 | 7.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14304.97 | Yes | Employed | Employed | No | No | No |  |
| 857346 | 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 | 7275 | 7.856 | Yes | Yes | No | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6640 | Yes | Employed | Not Employed | No | No | No |  |
| 857364 | 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 | 16810 | 9.25 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12175.18 | Yes | Employed |  | No |  | No |  |
| 857370 | 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 |
| 857379 | 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 | 10855 | 7.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6756.67 | Yes | Employed | Employed | No | No | No |  |
| 857386 | 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 | 32950 | 8.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34662.41 | Yes | Employed |  | No |  | No |  |
| 857413 | 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 | 105512.38 | Yes | Employed |  | No |  | Yes | Present |
| 857436 | 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 |
| 857438 | 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 | 79989.83 | Yes | Employed |  | No |  | Yes | Present |
| 857440 | 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 | 79840.69 | Yes | Employed |  | No |  | Yes | Present |
| 857449 | 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 | 5376 | 6.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21358.25 | Yes | Employed |  | No |  | No |  |
| 857496 | 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 | 7.252 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9666.4 | Yes | Employed |  | No |  | No |  |
| 857505 | 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 | 28490 | 7.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 224301.45 | Yes | Employed |  | No |  | No |  |
| 857509 | 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 | 7135 | 6.973 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7368.61 | Yes | Employed |  | No |  | No |  |
| 857535 | 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 |
| 857554 | 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 |
| 857600 | 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 |
| 857653 | 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 | 8295 | 9.449 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12524.57 | Yes | Employed |  | No |  | No |  |
| 857695 | 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 | 5333.6 | 7.556 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2851.95 | Yes | Employed |  | No |  | No |  |
| 857718 | 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 | 2345 | 6.7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9084.48 | Yes | Employed | Not Employed | No | No | No |  |
| 857730 | 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 | 5225 | 6.636 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17370.36 | Yes | Retired | Retired | No | No | No |  |
| 857753 | 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 | 4790 | 8.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20574.47 | Yes | Employed |  | No |  | No |  |
| 857764 | 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 | 22220 | 7.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11611.81 | Yes | Employed |  | No |  | No |  |
| 857791 | 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 | 2345 | 8.319 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6176.01 | Yes | Employed | Employed | No | No | No |  |
| 857794 | 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 | 2655 | 7.521 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29455.59 | Yes | Employed |  | No |  | No |  |
| 857801 | 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 |
| 857861 | 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 | 6135 | 8.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5460.28 | Yes | Employed |  | No |  | No |  |
| 857866 | 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 | 1765 | 6.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3114.44 | Yes | Employed |  | No |  | No |  |
| 857868 | 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 | 1865 | 7.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10843.25 | Yes | Employed |  | No |  | No |  |
| 857873 | 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 | 9175 | 7.197 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20320.55 | Yes | Employed | Employed | No | No | No |  |
| 857875 | 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 | 17074.64 | 7.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 112339.1 | Yes | Employed |  | No |  | No |  |
| 857878 | 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 |
| 857892 | 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 | 1747.23 | 10.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5659.49 | Yes | Employed |  | No |  | No |  |
| 857901 | 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 | 14887 | 6.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21073.09 | Yes | Employed |  | No |  | No |  |
| 857909 | 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 | 10130 | 7.685 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10327.15 | Yes | Employed |  | No |  | No |  |
| 857912 | 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 | 20651.88 | 7.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 58606.95 | Yes | Employed |  | No |  | No |  |
| 857915 | 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 | 22596.25 | 7.079 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 75587.14 | Yes | Employed |  | No |  | No |  |
| 857924 | 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 | 19225 | 7.277 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11777.31 | Yes | Not Employed | Not Employed | No | No | No |  |
| 857929 | 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 | 5886.8 | N/A | Employed |  | No |  | Yes | Present |
| 857932 | 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 | 5595 | 7.474 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13780.75 | Yes | Employed | Employed | No | No | No |  |
| 857974 | 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 | 7824 | 8.49 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9940.25 | Yes | Employed |  | No |  | No |  |
| 857981 | 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 | 2531 | 8.386 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4255.86 | Yes | Retired | Employed | No | No | No |  |
| 857984 | 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 | 4077.05 | 7.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5571.49 | Yes | Employed |  | No |  | No |  |
| 857986 | 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 |
| 857988 | 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 | 1550 | 7.87 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55060.33 | Yes | Employed |  | No |  | No |  |
| 858054 | 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 | 10855 | 6.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66741.08 | Yes | Employed | Not Employed | No | No | No |  |
| 858058 | 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 |
| 858069 | 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 | 2395 | 8.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12189.85 | Yes | Employed |  | No |  | No |  |
| 858071 | 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 | 4745 | 7.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7027.78 | Yes | Employed |  | No |  | No |  |
| 858074 | 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 | 13075 | 9.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 64817.01 | Yes | Employed |  | No |  | No |  |
| 858078 | 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 |
| 858096 | 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 | 2598.95 | 7.201 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18390.97 | Yes | Employed |  | No |  | No |  |
| 858098 | 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 | 16757.5 | 7.332 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10678.95 | Yes | Employed |  | No |  | No |  |
| 858109 | 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 | 8621 | 7.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17150.16 | Yes | Employed |  | No |  | No |  |
| 858132 | 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 |
| 858180 | 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 |
| 858205 | 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 | 5538.75 | 7.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 61953.82 | Yes | Employed |  | No |  | No |  |
| 858243 | 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 |
| 858355 | 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 | 10061.25 | 6.953 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7041.1 | Yes | Employed |  | No |  | No |  |
| 858363 | 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 |
| 858407 | 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 | 31709.4 | 7.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57272.02 | Yes | Employed |  | No |  | No |  |
| 858409 | 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 | 8987.5 | 6.628 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7371.56 | Yes | Employed |  | No |  | No |  |
| 858506 | 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 | 3714.4 | 6.954 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29416.55 | Yes | Employed |  | No |  | No |  |
| 858513 | 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 |
| 858514 | 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 | 17210 | 7.347 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8174.38 | Yes | Employed |  | No |  | No |  |
| 858518 | 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 | 7124.15 | 6.989 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13023.1 | Yes | Employed |  | No |  | No |  |
| 858530 | 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 |
| 858548 | 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 | 26373.6 | Yes | Employed |  | No |  | Yes | Present |
| 858564 | 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 | 12968 | 6.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19012.5 | Yes | Employed |  | No |  | No |  |
| 858566 | 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 | 14370 | 7.208 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18159.37 | Yes | Employed |  | No |  | No |  |
| 858567 | 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 | 16175 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13934.92 | Yes | Employed | Not Employed | No | No | No |  |
| 858570 | 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 | 13101 | 7.209 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17203.32 | Yes | Employed | Not Employed | No | No | No |  |
| 858573 | 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 |
| 858577 | 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 | 13241 | 7.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24066.7 | Yes | Employed |  | No |  | No |  |
| 858578 | 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 | 2190 | 8.735 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63396.51 | Yes | Employed |  | No |  | No |  |
| 858582 | 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 | 5837.4 | 7.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35150.43 | Yes | Employed | Employed | No | No | No |  |
| 858584 | 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 | 38923.13 | 7.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33482.77 | Yes | Employed |  | No |  | No |  |
| 858588 | 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 | 7.426 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41253.11 | Yes | Employed | Employed | No | No | No |  |
| 858590 | 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 | 2590 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23608.5 | Yes | Employed |  | No |  | No |  |
| 858592 | 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 | 8986 | 7.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10346.17 | Yes | Employed |  | No |  | No |  |
| 858594 | 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 | 2590 | 7.326 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9828.51 | Yes | Employed |  | No |  | No |  |
| 858599 | 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 | 6237.5 | 6.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6737.06 | Yes | Retired | Retired | No | No | No |  |
| 858603 | 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 | 2095 | 7.069 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4970.98 | Yes | Employed |  | No |  | No |  |
| 858604 | 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 | 7330 | 7.245 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8860.72 | Yes | Employed |  | No |  | No |  |
| 858609 | 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 | 8600 | 6.492 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4618.98 | Yes | Employed |  | No |  | No |  |
| 858615 | 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 | 2490 | 7.15 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32010.2 | Yes | Employed |  | No |  | No |  |
| 858617 | 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 | 6054.59 | 7.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26699.63 | Yes | Employed |  | No |  | No |  |
| 858620 | 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 | 6.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48460.16 | Yes | Employed |  | No |  | No |  |
| 858632 | 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 | 1960 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19331.06 | Yes | Employed |  | No |  | No |  |
| 858649 | 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 | 4355 | 9.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53157.85 | Yes | Employed |  | No |  | No |  |
| 858653 | 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 | 11171.25 | 7.449 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5124.7 | Yes | Employed |  | No |  | No |  |
| 858655 | 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 | 22175 | 6.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11631.01 | Yes | Employed | Not Employed | No | No | No |  |
| 858670 | 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 | 10589.99 | N/A | Employed | Employed | No | No | Yes | Present |
| 858677 | 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 |
| 858681 | 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 | 8110 | 7.207 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6514 | Yes | Employed |  | No |  | No |  |
| 858689 | 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 | 9194 | 7.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8180.34 | Yes | Employed |  | No |  | No |  |
| 858690 | 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 | 10925 | 7.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9748.6 | Yes | Employed |  | No |  | No |  |
| 858693 | 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 | 2550 | 6.646 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30167.53 | Yes | Employed |  | No |  | No |  |
| 858695 | 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 | 6.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21337.76 | Yes | Not Employed | Employed | No | No | No |  |
| 858708 | 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 | 1820 | 7.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12339.72 | Yes | Employed |  | No |  | No |  |
| 858715 | 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 | 15025 | 7.686 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 152895.28 | Yes | Employed |  | No |  | No |  |
| 858731 | 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 | 4418 | 7.835 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2978.91 | Yes | Employed |  | No |  | No |  |
| 858733 | 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 | 24787 | 7.448 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 319521.83 | Yes | Employed |  | No |  | No |  |
| 858744 | 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 |
| 858774 | 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 | 1795 | 7.3 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 36566.12 | Yes | Employed |  | No |  | No |  |
| 858777 | 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 | 8282 | 7.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8005.79 | Yes | Employed |  | No |  | No |  |
| 858797 | 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 | 11645 | 7.394 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 23490.43 | Yes | Employed |  | No |  | No |  |
| 858804 | 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 | 19511.58 | 7.369 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6434.61 | Yes | Employed |  | No |  | No |  |
| 858806 | 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 | 16612.67 | N/A | Employed | Employed | No | No | Yes | Present |
| 858809 | 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 | 15995 | 8.535 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24523.72 | Yes | Employed |  | No |  | No |  |
| 858810 | 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 | 11327.75 | 8.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22993.07 | Yes | Employed |  | No |  | No |  |
| 858813 | 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 | 7715 | 7.859 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36414.6 | Yes | Employed |  | No |  | No |  |
| 858824 | 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 | 2565 | 7.731 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8000.38 | Yes | Employed |  | No |  | No |  |
| 858851 | 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 | 43565.26 | Yes | Employed |  | No |  | Yes | Present |
| 858854 | 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 | 23740 | 7.321 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 91514.21 | Yes | Employed |  | No |  | No |  |
| 858858 | 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 | 2179.41 | 7.707 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2554.25 | Yes | Employed |  | No |  | No |  |
| 858860 | 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 | 2620 | 8.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8273.96 | Yes | Employed |  | No |  | No |  |
| 858876 | 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 | 4170 | 7.725 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6095.14 | Yes | Employed |  | No |  | No |  |
| 858881 | 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 | 4790 | 10.477 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8999.58 | Yes | Employed |  | No |  | No |  |
| 858884 | 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 | 5036.75 | 7.235 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11929.86 | Yes | Employed |  | No |  | No |  |
| 858891 | 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 | 16491.21 | Yes | Not Employed | Employed | No | No | Yes | Present |
| 858913 | 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 | 2960 | 7.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9828.77 | Yes | Employed |  | No |  | No |  |
| 858917 | 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 | 26475 | 7.292 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13531.76 | Yes | Employed |  | No |  | No |  |
| 858921 | 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 | 2145 | 9.398 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6863.6 | Yes | Employed | Employed | No | No | No |  |
| 858925 | 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 | 6317.24 | N/A | Employed |  | No |  | Yes | Present |
| 858937 | 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 | 13406.78 | Yes | Employed |  | No |  | Yes | Present |
| 858938 | 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 | 2390 | 6.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14407.49 | Yes | Employed |  | No |  | No |  |
| 858940 | 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 | 2490 | 7.418 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16300.98 | Yes | Employed |  | No |  | No |  |
| 858941 | 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 | 15805 | 7.518 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12266.72 | Yes | Employed |  | No |  | No |  |
| 858943 | 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 | 16673.18 | N/A | Employed |  | No |  | Yes | Present |
| 858956 | 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 | 10843 | 7.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9889.96 | Yes | Employed |  | No |  | No |  |
| 858973 | 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 | 4625 | 8.783 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 74290.7 | Yes | Employed |  | No |  | No |  |
| 858976 | 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 | 6554.97 | 7.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3422.93 | Yes | Employed |  | No |  | No |  |
| 859027 | 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 | 2655 | 6.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6749.96 | Yes | Employed |  | No |  | No |  |
| 859033 | 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 | 12452.5 | 8.291 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 23131.89 | Yes | Employed |  | No |  | No |  |
| 859039 | 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 |  |  |  |  | Yes |  | Yes | Present |
| 859045 | 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 | 37673.43 | Yes | Employed |  | No |  | Yes | Present |
| 859046 | 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 | 2420 | 6.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10458.47 | Yes | Employed |  | No |  | No |  |
| 859057 | 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 | 25420 | 7.046 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27732.96 | Yes | Employed |  | No |  | No |  |
| 859084 | 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 | Yes | No | No | No | No | No | 1570 | 8.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18052.66 | Yes | Employed | Employed | No | No | No |  |
| 859085 | 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 | 2490 | 7.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11996.88 | Yes | Employed |  | No |  | No |  |
| 859087 | 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 | 29315 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35732.51 | Yes | Employed |  | No |  | No |  |
| 859090 | 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 | 60618.93 | Yes | Employed |  | No |  | Yes | Present |
| 859104 | 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 | 16300 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20864.53 | Yes | Employed |  | No |  | No |  |
| 859134 | 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 | 2240 | 6.886 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65645.97 | Yes | Employed |  | No |  | No |  |
| 859136 | 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 | 104568.03 | N/A | Employed |  | No |  | Yes | Present |
| 859146 | 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 | 8476 | 7.243 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4677.68 | Yes | Employed | Not Employed | No | No | No |  |
| 859153 | 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 | 7215 | 7.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15109.64 | Yes | Employed |  | No |  | No |  |
| 859199 | 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 |
| 859201 | 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 | 12205.4 | 6.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5217.99 | Yes | Employed |  | No |  | No |  |
| 859202 | 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 |
| 859203 | 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 |
| 859207 | 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 |
| 859208 | 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 |
| 859209 | 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 |
| 859210 | 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 |
| 859211 | 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 |
| 859212 | 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 |
| 859213 | 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 | 31988 | 7.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21733.59 | Yes | Employed |  | No |  | No |  |
| 859214 | 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 | 9697 | 7.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6903.62 | Yes | Employed | Employed | No | No | No |  |
| 859215 | 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 |  |  |  |  | No |  | Yes | Present |
| 859216 | 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 | 14098.38 | 7.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18555.69 | Yes | Employed |  | No |  | No |  |
| 859217 | 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 |
| 859218 | 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 |
| 859219 | 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 | 8230 | 8.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2544.85 | Yes | Employed |  | No |  | No |  |
| 859220 | 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 |
| 859222 | 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 |
| 859223 | 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 |
| 859224 | 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 | 13432.6 | 7.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8737.38 | Yes | Employed |  | No |  | No |  |
| 859225 | 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 | 6.875 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23092.57 | Yes | Employed |  | No |  | No |  |
| 859226 | 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 | 6.875 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21428.08 | Yes | Employed |  | No |  | No |  |
| 859237 | 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 | 8110 | 7.199 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17843.1 | Yes | Employed |  | No |  | No |  |
| 859254 | 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 | 18162.5 | 6.892 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42223.36 | Yes | Employed |  | No |  | No |  |
| 859264 | 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 | 47488.3 | N/A | Employed | Employed | No | No | Yes | Present |
| 859267 | 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 | 5365 | 8.469 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31470.04 | Yes | Employed |  | No |  | No |  |
| 859272 | 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 | 2565 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13442.51 | Yes | Employed |  | No |  | No |  |
| 859273 | 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 | 2565 | 7.3 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23950.85 | Yes | Employed |  | No |  | No |  |
| 859281 | 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 | 4350 | 7.54 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5933.13 | Yes | Employed |  | No |  | No |  |
| 859316 | 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 | 14945 | 8.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43935.7 | Yes | Employed | Employed | No | No | No |  |
| 859320 | 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 | 2390 | 7.355 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 106386.81 | Yes | Employed |  | No |  | No |  |
| 859609 | 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 | 4950 | 7.847 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11280.15 | Yes | Employed |  | No |  | No |  |
| 859659 | 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 | 2565 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27694.68 | Yes | Employed |  | No |  | No |  |
| 859679 | 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 | 4900 | 8.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6441.5 | Yes | Employed |  | No |  | No |  |
| 859680 | 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 | 4772.6 | 7.129 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6252.25 | Yes | Employed |  | No |  | No |  |
| 859704 | 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 | 40495 | 7.402 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2363010.74 | Yes | Employed |  | No |  | No |  |
| 859705 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | 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 | 52596.2 | N/A | Employed |  | No |  | Yes | Present |
| 859767 | 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 | 8312.5 | 7.207 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5057.08 | Yes | Employed |  | No |  | No |  |
| 859768 | 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 | 2545 | 6.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4168.58 | Yes | Employed |  | No |  | No |  |
| 859769 | 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 | 6130 | 7.351 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5610.17 | Yes | Employed |  | No |  | No |  |
| 859770 | 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 | 14887.5 | 6.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22649.06 | Yes | Employed |  | No |  | No |  |
| 859773 | 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 | 15770 | 7.999 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24852.77 | Yes | Employed |  | No |  | No |  |
| 859774 | 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 | 27717.5 | 7.15 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24381.45 | Yes | Employed |  | No |  | No |  |
| 859781 | 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 | 20450 | 6.952 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9975.19 | Yes | Employed |  | No |  | No |  |
| 859785 | 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 | 151121.03 | Yes | Employed | Employed | No | No | Yes | Present |
| 859786 | 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 | 9550 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3861.13 | Yes | Employed |  | No |  | No |  |
| 859788 | 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 | 63010.76 | Yes | Employed |  | No |  | Yes | Present |
| 859789 | 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 | 13937.5 | 7.197 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22868.98 | Yes | Employed |  | No |  | No |  |
| 859791 | 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 | 25200 | 7.091 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21253.09 | Yes | Employed |  | No |  | No |  |
| 859796 | 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 | 2450 | 7.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17257.03 | Yes | Employed |  | No |  | No |  |
| 859826 | 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 | Yes | No | No | No | Yes | 27621.25 | 8.8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7763.39 | Yes | Employed |  | No |  | No |  |
| 859828 | 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 | 107973.74 | Yes | Employed |  | No |  | Yes | Present |
| 859839 | 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 | 14120 | 7.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17996.37 | Yes | Employed | Not Employed | No | No | No |  |
| 859840 | 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 | 15570 | 6.612 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21404.81 | Yes | Employed |  | No |  | No |  |
| 859851 | 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 | 19750 | 6.736 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 33165.1 | Yes | Employed |  | No |  | No |  |
| 859859 | 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 | 5739.21 | 8.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15440.21 | Yes | Employed | Employed | No | No | No |  |
| 859863 | 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 | 6115 | 6.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4886.47 | Yes | Employed |  | No |  | No |  |
| 859864 | 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 | 9002.5 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7229.88 | Yes | Employed |  | No |  | No |  |
| 859871 | 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 | 12885.63 | 7.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22818.71 | Yes | Employed |  | No |  | No |  |
| 859872 | 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 | 7532.5 | 7.896 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6089.66 | Yes | Employed |  | No |  | No |  |
| 859873 | 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 | 10895 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6896.98 | Yes | Employed |  | No |  | No |  |
| 859874 | 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 | 5370.08 | 7.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1612.86 | Yes | Employed |  | No |  | No |  |
| 859876 | 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 | 15435 | 7.434 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22947.8 | Yes | Employed |  | No |  | No |  |
| 859884 | 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 | 6465.49 | 6.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3013.62 | Yes | Retired |  | No |  | No |  |
| 859885 | 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 | 29638.75 | 7.149 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2564858.23 | Yes | Employed |  | No |  | No |  |
| 859886 | 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 | 11083.75 | 7.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9480.81 | Yes | Employed | Not Employed | No | No | No |  |
| 859888 | 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 | 6.899 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16622.56 | Yes | Employed | Retired | No | No | No |  |
| 859890 | 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 | 34475.2 | 7.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17948.53 | Yes | Employed |  | No |  | No |  |
| 859892 | 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 | 19462.25 | Yes | Employed |  | No |  | Yes | Present |
| 859893 | 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 | 5795 | 8.18 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11846.51 | Yes | Employed |  | No |  | No |  |
| 859894 | 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 | 5863 | 6.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6673.48 | Yes | Employed | Not Employed | No | No | No |  |
| 859895 | 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 | 15795 | 6.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8583.56 | Yes | Employed |  | No |  | No |  |
| 859897 | 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 | 11052.18 | Yes | Employed |  | No |  | Yes | Present |
| 859943 | 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 | 2550 | 7.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8568.35 | Yes | Employed |  | No |  | No |  |
| 859945 | 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 | 2590 | 6.893 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28979.73 | Yes | Employed |  | No |  | No |  |
| 859951 | 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 | 28233.82 | Yes | Employed |  | No |  | Yes | Present |
| 859970 | 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 | 2565 | 6.8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15861.49 | Yes | Employed |  | No |  | No |  |
| 859975 | 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 | 10427.5 | 6.76 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10658.53 | Yes | Employed |  | No |  | No |  |
| 859984 | 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 | 13490 | 7.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 123630.89 | Yes | Employed |  | No |  | No |  |
| 859986 | 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 | 19121.26 | N/A | Employed |  | No |  | Yes | Present |
| 859999 | 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 | 7.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12328.34 | Yes | Employed | Employed | No | No | No |  |
| 860005 | 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 | 2690 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 450410.96 | Yes | Employed |  | No |  | No |  |
| 860083 | 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 | 10128 | 7.511 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25481.33 | Yes | Employed |  | No |  | No |  |
| 860134 | 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 | 30651.29 | Yes | Employed |  | No |  | Yes | Present |
| 860135 | 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 | 2313.6 | 6.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7523.7 | Yes | Employed |  | No |  | No |  |
| 860252 | 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 | 2665 | 6.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20680.04 | Yes | Employed |  | No |  | No |  |
| 860330 | 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 | 24648.25 | 8.1 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7974.92 | Yes | Employed |  | No |  | No |  |
| 860401 | 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 | 36745 | 7.256 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38028.9 | Yes | Employed |  | No |  | No |  |
| 860406 | 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 | 13095 | 6.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9522.62 | Yes | Employed |  | No |  | No |  |
| 860408 | 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 | 12780 | 6.76 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19776.37 | Yes | Employed |  | No |  | No |  |
| 860410 | 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 | 26498 | 7.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41136.54 | Yes | Employed | Not Employed | No | No | No |  |
| 860419 | 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 | 41403.75 | 7.43 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 129285.2 | Yes | Employed | Employed | No | No | No |  |
| 860462 | 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 | 13329 | 6.691 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4805.61 | Yes | Employed | Employed | No | No | No |  |
| 860480 | 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 | 9418.75 | 6.825 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9041.68 | Yes | Employed | Employed | No | No | No |  |
| 860487 | 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 | 42562.5 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14445.66 | Yes | Employed |  | No |  | No |  |
| 860488 | 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 | 6352 | 7.207 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2661.78 | Yes | Employed |  | No |  | No |  |
| 860489 | 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 | 17515 | 6.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15861.47 | Yes | Employed | Not Employed | No | No | No |  |
| 860490 | 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 | 2250 | 6.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6264.29 | Yes | Employed |  | No |  | No |  |
| 860493 | 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 | 6564 | 7.484 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16008.18 | Yes | Employed |  | No |  | No |  |
| 860494 | 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 | 28278.25 | Yes | Employed |  | No |  | Yes | Present |
| 860495 | 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 | 12729 | 7.764 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6362.64 | Yes | Employed |  | No |  | No |  |
| 860496 | 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 | 9370 | 6.995 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3709.73 | Yes | Employed |  | No |  | No |  |
| 860501 | 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 | 5050 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14630.26 | Yes | Employed |  | No |  | No |  |
| 860562 | 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 | 8395 | 7.982 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5669.99 | Yes | Employed |  | No |  | No |  |
| 860569 | 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 | 10015 | 7.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8070.49 | Yes | Employed |  | No |  | No |  |
| 860578 | 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 | 21070 | 7.655 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29408.77 | Yes | Employed |  | No |  | No |  |
| 860595 | 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 | 4481 | 6.544 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35524.91 | Yes | Employed |  | No |  | No |  |
| 860596 | 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 | 10552.33 | N/A | Employed |  | No |  | Yes | Present |
| 860661 | 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 | 11145 | 6.886 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 138195.91 | Yes | Employed |  | No |  | No |  |
| 860663 | 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 | 8065 | 6.399 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3314.25 | Yes | Employed |  | No |  | No |  |
| 860668 | 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 | 13068.4 | 7.572 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7958.56 | Yes | Employed |  | No |  | No |  |
| 860669 | 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 | 17275 | 6.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27773.19 | Yes | Employed |  | No |  | No |  |
| 860675 | 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 | 22868.35 | 8.131 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25974.41 | Yes | Employed |  | No |  | No |  |
| 860676 | 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 | 13149.07 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6847.88 | Yes | Employed |  | No |  | No |  |
| 860677 | 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 | 15453.91 | 8.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14897.81 | Yes | Employed |  | No |  | No |  |
| 860683 | 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 | 169791.28 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 860687 | 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 | 11396.25 | 7.881 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6857.49 | Yes | Employed | Not Employed | No | No | No |  |
| 860688 | 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 | 14976.4 | 7.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14378.69 | Yes | Employed |  | No |  | No |  |
| 860690 | 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 | 13015 | 6.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3983.03 | Yes | Employed |  | No |  | No |  |
| 860692 | 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 | 9480 | 6.676 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44205.68 | Yes | Employed |  | No |  | No |  |
| 860693 | 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 | 13935.9 | 7.691 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3913.47 | Yes | Employed |  | No |  | No |  |
| 860705 | 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 | 22010.35 | 7.448 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13429.17 | Yes | Employed |  | No |  | No |  |
| 860708 | 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 | 17081.85 | 8.2 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7189.64 | Yes | Employed |  | No |  | No |  |
| 860712 | 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 | 11623 | 6.622 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28079.09 | Yes | Employed |  | No |  | No |  |
| 860752 | 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 | 1495 | 6.897 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 72310.82 | Yes | Employed |  | No |  | No |  |
| 860755 | 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 | 12889.77 | 7.201 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6941.26 | Yes | Employed |  | No |  | No |  |
| 860770 | 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 | 11550 | 6.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17780.11 | Yes | Employed |  | No |  | No |  |
| 860793 | 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 | 14390 | 6.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8926 | Yes | Employed |  | No |  | No |  |
| 860804 | 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 | 7794.62 | 6.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13181.17 | Yes | Employed |  | No |  | No |  |
| 860834 | 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 | 12080 | 7.008 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12393.5 | Yes | Employed |  | No |  | No |  |
| 860837 | 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 | 3735 | 7.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10524.26 | Yes | Employed |  | No |  | No |  |
| 860843 | 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 | 9295 | 6.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31111.55 | Yes | Employed | Not Employed | No | No | No |  |
| 860846 | 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 | 15465 | 7.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8577.75 | Yes | Employed |  | No |  | No |  |
| 860904 | 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 | 5251 | 6.837 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4489.04 | Yes | Employed |  | No |  | No |  |
| 860910 | 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 | 14350 | 6.729 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10120.27 | Yes | Employed |  | No |  | No |  |
| 860914 | 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 | 3244 | 7.227 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15253.79 | Yes | Employed |  | No |  | No |  |
| 860916 | 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 | 13060 | 7.308 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9864.37 | Yes | Employed |  | No |  | No |  |
| 860917 | 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 | 3577 | 7.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10119.81 | Yes | Employed |  | No |  | No |  |
| 860927 | 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 | 41170 | 6.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24563.45 | Yes | Employed |  | No |  | No |  |
| 860960 | 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 | 5195 | 9.045 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14827.25 | Yes | Employed |  | No |  | No |  |
| 861102 | 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 | 8157 | 6.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10222.53 | Yes | Employed |  | No |  | No |  |
| 861103 | 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 | 8950 | 7.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14311.61 | Yes | Employed |  | No |  | No |  |
| 861113 | 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 | 13273.48 | N/A | Employed |  | No |  | Yes | Present |
| 861318 | 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 | 40875 | 6.765 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 29140.29 | Yes | Employed |  | No |  | No |  |
| 861386 | 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 | 3740.94 | 6.681 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10589.93 | Yes | Employed |  | No |  | No |  |
| 861387 | 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 | 8865 | 7.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10871.05 | Yes | Employed | Employed | No | No | No |  |
| 861390 | 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 | 7700 | 6.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4969.53 | Yes | Employed | Not Employed | No | No | No |  |
| 861391 | 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 | 34825 | 6.929 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46199.95 | Yes | Employed |  | No |  | No |  |
| 861393 | 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 | 1749 | 6.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27983.03 | Yes | Employed |  | No |  | No |  |
| 861395 | 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 | 6063 | 6.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4731.82 | Yes | Employed |  | No |  | No |  |
| 861396 | 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 | 16075 | 6.665 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14573.11 | Yes | Employed |  | No |  | No |  |
| 861397 | 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 | 53996.88 | 7.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 73335.68 | Yes | Employed |  | No |  | No |  |
| 861399 | 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 | 7.331 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11260.44 | Yes | Employed |  | No |  | No |  |
| 861400 | 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 | 7808 | 7.748 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14646.17 | Yes | Employed |  | No |  | No |  |
| 861592 | 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 | 7203.13 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4328.01 | Yes | Not Employed | Employed | No | No | No |  |
| 861610 | 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 | 23150 | 7.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17489.28 | Yes | Employed |  | No |  | No |  |
| 861616 | 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 | 32800 | 6.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23387.28 | Yes | Employed |  | No |  | No |  |
| 861620 | 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 | 9730 | 7.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8430.64 | Yes | Employed |  | No |  | No |  |
| 861622 | 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 | 7300 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4865.83 | Yes | Employed |  | No |  | No |  |
| 861623 | 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 | 4321 | 6.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4815.3 | Yes | Employed |  | No |  | No |  |
| 861626 | 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 | 10301.25 | 6.85 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32725.14 | Yes | Employed |  | No |  | No |  |
| 861628 | 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 | 16587.5 | 7.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32218.74 | Yes | Employed |  | No |  | No |  |
| 861629 | 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 | 1250 | 6.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29303.8 | Yes | Employed |  | No |  | No |  |
| 861632 | 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 | 10606.25 | 6.511 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6183.53 | Yes | Employed |  | No |  | No |  |
| 861634 | 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 | 39030 | 7.418 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37264.85 | Yes | Employed |  | No |  | No |  |
| 861636 | 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 | 2450 | 6.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9509.26 | Yes | Employed |  | No |  | No |  |
| 861639 | 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 | 15681 | 7.33 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12803.61 | Yes | Employed |  | No |  | No |  |
| 861642 | 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 | 40830.86 | N/A | Employed |  | No |  | Yes | Present |
| 861643 | 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 | 3450 | 7.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6704.3 | Yes | Employed |  | No |  | No |  |
| 861666 | 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 | 8954.08 | 7.693 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27385.4 | Yes | Employed |  | No |  | No |  |
| 861668 | 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 | 15357.5 | 7.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16938.25 | Yes | Not Employed | Employed | No | No | No |  |
| 861680 | 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 | 8245 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14320.32 | Yes | Employed |  | No |  | No |  |
| 861684 | 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 | 29515 | 7.913 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20505.92 | Yes | Employed |  | No |  | No |  |
| 861688 | 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 | 19345 | 7.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47778.27 | Yes | Employed |  | No |  | No |  |
| 861691 | 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 | 16617.5 | 6.458 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5034.61 | Yes | Employed |  | No |  | No |  |
| 861692 | 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 | 43138.75 | 9.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 88180.09 | Yes | Employed |  | No |  | No |  |
| 861693 | 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 | 9770 | 8.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2763.04 | Yes | Retired | Retired | No | No | No |  |
| 861699 | 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 | 22401.25 | 7.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15335.16 | Yes | Employed |  | No |  | No |  |
| 861707 | 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 | 10419.25 | N/A | Employed |  | No |  | Yes | Present |
| 2000011621 | 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 | 1949 | 7.596 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17104.47 | Yes | Employed |  | No |  | No |  |
| 2000011626 | 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 | 4311.67 | Yes | Employed | Employed | No | No | Yes | Present |
| 2000011636 | 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 | 10870.82 | Yes | Employed |  | No |  | Yes | Present |
| 2000011652 | 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 |
| 2000011689 | 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 |
| 2000011691 | 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 | 5431.42 | Yes | Employed |  | No |  | Yes | Present |
| 2000011700 | 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 | 2049 | 7.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 72153.11 | Yes | Employed |  | No |  | No |  |
| 2000011701 | 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 |
| 2000011727 | 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 | 2049 | 7.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 803350.59 | Yes | Employed |  | No |  | No |  |
| 2000011729 | 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 | 4949 | 6.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60137.88 | Yes | Employed |  | No |  | No |  |
| 2000011733 | 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 | 4806 | 8.637 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4958.48 | Yes | Employed | Retired | No | No | No |  |
| 2000011740 | 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 | 3826.42 | 9.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4770.02 | Yes | Employed | Employed | No | No | No |  |
| 2000011745 | 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 | 1122.63 | 7.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5469.26 | Yes | Employed |  | No |  | No |  |
| 2000011759 | 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 | 10326.32 | 8.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25377.62 | Yes | Employed |  | No |  | No |  |
| 2000011778 | 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 | 4826.4 | 8.965 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5867.93 | Yes | Employed | Retired | No | No | No |  |
| 2000011787 | 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 | 4788.75 | 8.483 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9505.47 | Yes | Employed |  | No |  | No |  |
| 2000011788 | 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 | 10104.36 | Yes | Employed |  | No |  | Yes | Present |
| 2000011792 | 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 | 5392.04 | 8.576 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14540.64 | Yes | Employed |  | No |  | No |  |
| 2000011807 | 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 | 3629 | 7.929 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4964.68 | Yes | Employed |  | No |  | No |  |
| 2000011814 | 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 | 4344 | 8.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5890.15 | Yes | Employed | Employed | No | No | No |  |
| 2000011817 | 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 | 7796.39 | 8.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 73110.63 | Yes | Employed |  | No |  | No |  |
| 2000011838 | 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 | 9245.5 | 7.233 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3720.58 | Yes | Employed |  | No |  | No |  |
| 2000011841 | 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 | 7.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9519.53 | Yes | Employed |  | No |  | No |  |
| 2000011842 | 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 | 3057.68 | 8.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5631.18 | Yes | Employed |  | No |  | No |  |
| 2000011845 | 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 | 2743.6 | 8.697 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2719.38 | Yes | Employed |  | No |  | No |  |
| 2000011869 | 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 | 13325 | 6.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28449.23 | Yes | Employed |  | No |  | No |  |
| 2000011870 | 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 | 3731.18 | 8.928 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2891.17 | Yes | Retired | Retired | No | No | No |  |
| 2000011909 | 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 | 3130.38 | Yes | Employed |  | No |  | Yes | Present |
| 2000011933 | 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 | 6146.5 | 8.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4285.56 | Yes | Employed |  | No |  | No |  |

---

## 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** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance 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** |
| 843145 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-23-2025 |
| 846238 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-01-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | xxxxxx | -.0256 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0256 | xxxxxx | Moderate | 11-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846496 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | MP | MP | xxxxxx | xxxxxx | xxxxxx | 31.12 | 31.12 | xxxxxx | 0.0 | .0000 | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847741 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849067 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 41.87 | 41.87 | xxxxxx | xxxxxx | -.0480 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0480 | xxxxxx | Low | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 08-28-2025 |
| 849118 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 64.97 | 64.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849527 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.9 | 75.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849578 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.0 | 57.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-02-2025 |
| 849976 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850191 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 07-15-2025 |
| 850234 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 | Eligible |  |  |
| 850565 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.71 | 58.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850768 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850834 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 73.56 | 73.56 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-26-2025 |
| 850959 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851112 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.23 | 19.23 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 851472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 09-23-2025 |
| 851476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 851666 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 851687 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 |
| 851741 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852251 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 51.28 | 51.28 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-25-2025 |
| 852296 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852358 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 64.13 | 64.13 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852360 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 47.4 | 47.4 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852367 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-29-2025 |
| 852850 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0119 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0119 | xxxxxx | Low | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852879 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.59 | 71.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852904 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-04-2025 |  |  |  |  |  |  |  |  |  |  | 3 | 10-20-2025 | Not Eligible | 1 | 10-20-2025 |
| 853156 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.76 | 67.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 853281 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-20-2025 |
| 853339 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0714 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0714 | 95.0 | 0.05 | xxxxxx | xxxxxx | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-25-2025 |
| 853381 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-07-2026 |
| 853397 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 853404 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-09-2025 |
| 853494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 71B | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0171 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0171 | xxxxxx | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853511 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.59 | 67.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 11-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853513 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 18.92 | 59.68 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 853519 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 57.3 | 57.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853590 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.37 | 72.37 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 12-05-2025 |
| 853645 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 39.68 | 39.68 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-10-2025 |
| 853794 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.17 | 54.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 853799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853806 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-25-2025 | Eligible | 1.1 | 11-25-2025 |
| 853810 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 853811 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853839 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.55 | 73.55 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 |
| 853878 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 853931 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853957 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-03-2025 | Eligible | 1 | 09-03-2025 |
| 853983 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 |
| 853999 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-17-2025 |
| 854026 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854148 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854182 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.42 | 72.49 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-27-2025 |
| 854211 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 854238 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-25-2025 | Eligible | 1.9 | 11-25-2025 |
| 854277 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-19-2025 |
| 854280 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-30-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 38.46 | 38.46 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854290 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854323 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.97 | 68.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 854361 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 42.53 | 42.53 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-28-2025 | Eligible | 1 | 11-28-2025 |
| 854439 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854457 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.67 | 58.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-19-2025 |
| 854494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 854505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 | Eligible | 1 | 12-08-2025 |
| 854514 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.05 | 62.05 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-09-2025 | Eligible | 1 | 12-09-2025 |
| 854549 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-02-2025 |
| 854608 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 854613 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 854661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854813 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854822 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 854927 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.2 | 19.2 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 854980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 11-21-2025 |
| 854983 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 |
| 854987 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854999 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-17-2025 |
| 855112 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 855150 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.23 | 74.23 | xxxxxx | xxxxxx | .0392 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0392 | 10-28-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 855166 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0196 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0196 | xxxxxx | Reasonable | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855167 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.65 | 66.65 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 12-11-2025 |
| 855298 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | xxxxxx | -.0269 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0269 | xxxxxx | Moderate | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-12-2025 | Eligible |  |  |
| 855322 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-22-2025 | Eligible |  |  |
| 855448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 | Eligible | 1 | 12-03-2025 |
| 855552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-17-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 49.02 | 49.02 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855553 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-09-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.22 | 72.22 | xxxxxx | xxxxxx | .0909 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0909 | xxxxxx | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-30-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-12-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-27-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855575 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 37.52 | 37.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-19-2026 |
| 855615 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 55.14 | 55.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855626 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 855628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 | Eligible | 1 | 12-09-2025 |
| 855638 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 54.86 | 54.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855652 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0318 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0318 | 11-21-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855656 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855663 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855670 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 11-21-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-30-2025 |
| 855765 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 10-20-2025 |
| 855796 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855815 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 57.27 | 57.27 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856090 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 | Eligible | 1 | 12-08-2025 |
| 856092 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856156 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.77 | 37.77 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856313 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-15-2025 |
| 856369 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856385 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.6 | 57.6 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 856387 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.07 | 73.47 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-22-2025 |
| 856514 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-22-2025 |
| 856522 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856532 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856535 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 856581 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 |
| 856609 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-09-2026 | Eligible |  |  |
| 856635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 73.68 | 73.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-08-2026 |
| 856669 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 | Eligible | 1 | 12-22-2025 |
| 856671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 01-02-2026 | Not Eligible | 1 | 01-02-2026 |
| 856677 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 01-06-2026 | Not Eligible | 1.1 | 01-06-2026 |
| 856687 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.0 | 63.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856688 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.65 | 47.93 | xxxxxx | xxxxxx | -.0692 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0692 | 94.0 | 0.06 | xxxxxx | xxxxxx | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-30-2025 |
| 856689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | MP | MP | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0.0 | .0000 | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856744 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856749 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856754 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 12-22-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-09-2026 |
| 856758 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856762 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856769 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 |
| 856859 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 |
| 856865 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.77 | 68.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-20-2025 | Not Eligible | 1.5 | 12-20-2025 |
| 856871 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.83 | 59.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-13-2025 |
| 856931 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 72.94 | 72.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856974 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 12-29-2025 |
| 857003 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.8 | 74.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 12-15-2025 | Not Eligible | 2.5 | 12-15-2025 |
| 857020 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0225 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0225 | 09-10-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 |
| 857154 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 55.68 | 55.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857194 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-11-2025 | Eligible |  |  |
| 857210 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 | Eligible | 1 | 12-16-2025 |
| 857244 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.82 | 66.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-09-2025 |
| 857255 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857257 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.5 | 62.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857259 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857264 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 |
| 857270 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 39.68 | 39.68 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 | Eligible | 1 | 12-22-2025 |
| 857279 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-31-2025 | Eligible | 1.4 | 12-31-2025 |
| 857296 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 | Eligible | 1 | 12-24-2025 |
| 857298 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-19-2025 |
| 857325 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857331 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.4 | 69.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 12-30-2025 | Not Eligible |  |  |
| 857346 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 | Eligible | 1 | 01-08-2026 |
| 857364 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 48.76 | 69.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857370 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0864 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0864 | 92.0 | 0.08 | xxxxxx | xxxxxx | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 12-17-2025 |
| 857379 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 49.7 | 49.7 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857386 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 10-15-2025 |
| 857413 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857436 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 857438 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-22-2025 |
| 857440 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-22-2025 |
| 857449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-15-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 12-30-2025 | Eligible |  |  |
| 857496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 857505 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.55 | 68.55 | xxxxxx | xxxxxx | -.0088 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0088 | 01-06-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-02-2026 |
| 857509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857535 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.83 | 68.83 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 | Eligible | 1 | 12-24-2025 |
| 857554 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 22.73 | 22.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-31-2025 |
| 857600 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857653 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 27.48 | 69.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-05-2026 | Eligible |  |  |
| 857695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-30-2026 | Eligible |  |  |
| 857718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.06 | 79.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-05-2025 | Eligible | 1 | 12-05-2025 |
| 857730 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 34.09 | 34.09 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-16-2025 |
| 857753 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.23 | 66.45 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 |
| 857764 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857791 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.75 | 41.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 01-07-2026 | Not Eligible |  |  |
| 857794 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 76.92 | 76.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857801 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0820 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0820 | xxxxxx | Moderate | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857861 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-07-2025 |
| 857866 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 43.98 | 43.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 12-30-2025 |
| 857868 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 6.52 | 36.26 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 857873 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-07-2026 |
| 857875 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-29-2025 | Eligible |  |  |
| 857878 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 61.71 | 61.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-07-2026 | Eligible | 1 | 01-07-2026 |
| 857892 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.96 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-23-2025 | Eligible | 1 | 12-23-2025 |
| 857901 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.15 | 65.15 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-11-2025 | Eligible |  |  |
| 857909 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-01-2025 |
| 857912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-27-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 | Eligible | 1 | 12-18-2025 |
| 857915 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0274 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0274 | xxxxxx | Moderate | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-24-2025 |
| 857924 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0051 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0051 | xxxxxx | Low | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857929 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-15-2025 |
| 857932 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.74 | 56.77 | xxxxxx | xxxxxx | -.0775 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0775 | 93.0 | 0.07 | xxxxxx | xxxxxx | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-09-2026 |
| 857974 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 74.96 | 74.96 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-05-2026 | Eligible | 1 | 01-05-2026 |
| 857981 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-06-2025 | AVM | xxxxxx | xxxxxx | xxxxxx | 15.92 | 57.47 | xxxxxx | xxxxxx | -.0403 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0403 | 90.0 | 0.1 | xxxxxx | Other | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857986 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.04 | 55.04 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-07-2026 |
| 857988 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 32.54 | 56.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858054 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858058 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 01-02-2026 |
| 858069 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 11.35 | 74.29 | xxxxxx | xxxxxx | -.0426 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0426 | xxxxxx | Moderate | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-05-2026 |
| 858071 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 | Eligible | 1 | 01-15-2026 |
| 858074 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 01-20-2026 |
| 858078 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 71B | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858096 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 858098 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 34.59 | 34.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-18-2025 |
| 858109 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 858132 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Excellent | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-22-2025 | Eligible | 2.6 | 12-22-2025 |
| 858243 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-05-2026 |
| 858355 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-14-2026 |
| 858363 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 858407 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-12-2026 | Eligible | 1 | 01-12-2026 |
| 858409 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858506 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 83.78 | 83.78 | xxxxxx | xxxxxx | .0094 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0094 | 02-01-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-05-2025 |
| 858513 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858514 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 858518 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 858530 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 48.03 | 48.03 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858548 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.49 | 73.49 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858564 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858566 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 | Eligible | 1 | 01-16-2026 |
| 858567 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 858570 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.56 | 50.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 858573 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-14-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858578 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 10.0 | 79.32 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 01-26-2026 |
| 858582 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858584 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-07-2026 |
| 858588 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-11-2025 | Eligible |  |  |
| 858590 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 52.8 | 52.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-26-2025 |
| 858592 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 858594 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 858599 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-18-2025 |
| 858603 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 858604 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0233 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0233 | 12-27-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-27-2025 |
| 858609 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-06-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 | Eligible | 1 | 12-29-2025 |
| 858615 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 79.75 | 79.75 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 01-05-2026 |
| 858617 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-05-2025 |
| 858620 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 43.16 | 43.16 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 | Eligible | 2.1 | 01-23-2026 |
| 858632 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.39 | 63.39 | xxxxxx | xxxxxx | -.0421 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0421 | xxxxxx | Moderate | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858649 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.73 | 79.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-28-2026 |
| 858653 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.82 | 61.82 | xxxxxx | xxxxxx | -.0986 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0986 | xxxxxx | Moderate | 01-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-30-2026 |
| 858655 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 858670 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-22-2026 | Eligible | 1.6 | 01-22-2026 |
| 858677 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 43.96 | 43.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.0 | 74.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 |
| 858689 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.67 | 74.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 | Eligible |  |  |
| 858690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0101 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0101 | 01-13-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0101 | xxxxxx | Low | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858693 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.73 | 68.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 858695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 64.91 | 64.91 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 01-26-2026 |
| 858708 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 4.17 | 62.02 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858715 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 69.95 | 69.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858731 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 858733 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-07-2026 | Eligible |  |  |
| 858744 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.51 | 19.51 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 | Eligible | 1 | 01-26-2026 |
| 858774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-22-2026 |
| 858777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 |
| 858797 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.29 | 69.29 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-26-2026 | Eligible |  |  |
| 858804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 | Eligible | 1 | 11-20-2025 |
| 858806 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 27.61 | 59.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 858809 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 28.0 | 70.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-02-2026 |
| 858810 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.47 | 74.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 12-12-2025 |
| 858813 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 858824 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-21-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 858851 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.56 | 69.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-10-2025 |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-09-2025 | Eligible | 1 | 12-09-2025 |
| 858854 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-05-2025 |
| 858858 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-26-2026 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | 17.11 | 37.64 | xxxxxx | xxxxxx | -.0301 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0301 | 97.0 | 0.03 | xxxxxx | xxxxxx | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858860 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-22-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 858876 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.88 | 23.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-23-2026 | Eligible | 1 | 01-23-2026 |
| 858881 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 14.67 | 74.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 01-20-2026 |
| 858884 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 73.43 | 73.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858891 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858913 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.7 | 79.7 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858917 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-20-2025 | Eligible | 1 | 12-20-2025 |
| 858921 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.41 | 79.65 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-12-2026 |
| 858925 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 | Eligible | 1 | 09-03-2025 |
| 858937 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 858938 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-30-2025 | Eligible |  |  |
| 858940 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-06-2026 |
| 858941 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 |
| 858943 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 |
| 858956 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 858973 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-14-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 32.12 | 79.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 |
| 858976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-22-2025 | Eligible | 1 | 10-22-2025 |
| 859027 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.79 | 63.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859033 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.94 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-06-2026 |
| 859039 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.51 | 46.51 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-31-2025 | Eligible |  |  |
| 859045 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-31-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 |
| 859057 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.44 | 68.44 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 01-15-2026 |
| 859084 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-23-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 79.66 | 79.66 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-27-2026 |
| 859085 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 859087 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-23-2026 | Eligible |  |  |
| 859090 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-26-2026 | Eligible | 2.2 | 02-26-2026 |
| 859104 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.57 | 56.57 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-22-2026 | Eligible | 1.1 | 01-22-2026 |
| 859134 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.7 | 69.7 | xxxxxx | xxxxxx | -.0407 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0407 | 01-06-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0407 | xxxxxx | Low | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859136 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 | Eligible |  |  |
| 859146 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-01-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 44.44 | 44.44 | xxxxxx | xxxxxx | -.0556 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0556 | xxxxxx | Moderate | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859153 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 28.89 | 59.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-06-2026 |
| 859199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859201 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 859202 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0800 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0800 | xxxxxx | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 12-16-2025 |
| 859203 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 859207 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 60.94 | 60.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 |
| 859210 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 859211 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859212 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.93 | 58.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-22-2025 |
| 859213 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.78 | 68.78 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-14-2025 |
| 859214 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-26-2025 |
| 859215 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859216 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 11-29-2025 |
| 859217 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 49.17 | 49.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-05-2026 |
| 859218 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.0 | 74.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 |
| 859219 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 859220 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.29 | 74.29 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 |
| 859222 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.37 | 63.37 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 12-05-2025 |
| 859223 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-31-2025 |
| 859224 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 |
| 859225 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.07 | 79.07 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 859226 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.69 | 71.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 859237 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-30-2026 | Eligible |  |  |
| 859254 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-06-2026 |
| 859264 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-10-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 | Eligible |  |  |
| 859267 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.7 | 37.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-04-2026 |
| 859272 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.18 | 56.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-11-2026 |
| 859273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-02-2026 |
| 859281 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 22.86 | 39.84 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859316 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.16 | 74.94 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 | Eligible | 1.2 | 01-27-2026 |
| 859320 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.4 | 64.4 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-14-2026 |
| 859609 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.84 | 71.31 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-14-2026 |
| 859659 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.41 | 69.41 | xxxxxx | xxxxxx | .1190 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .1190 | 01-12-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-16-2026 |
| 859679 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 33.79 | 79.83 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-10-2026 | Eligible | 1.3 | 02-10-2026 |
| 859680 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-28-2026 | Eligible | 2.6 | 01-22-2026 |
| 859704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 12-23-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0385 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0385 | 12-31-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859767 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.22 | 79.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-15-2026 | Eligible | 1 | 01-15-2026 |
| 859768 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.81 | 64.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-16-2026 |
| 859769 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-16-2026 | Eligible | 1 | 01-16-2026 |
| 859770 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.19 | 67.19 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-15-2026 |
| 859773 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-26-2026 | Eligible | 1 | 01-26-2026 |
| 859774 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0633 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0633 | xxxxxx | Moderate | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 01-21-2026 |
| 859781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 | Eligible | 1.4 | 01-20-2026 |
| 859785 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-28-2026 |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-26-2026 | Eligible |  |  |
| 859786 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859788 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 | Eligible | 1 | 01-15-2026 |
| 859789 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 |
| 859791 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-26-2025 |
| 859796 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.97 | 58.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 |
| 859826 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 859828 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859839 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 | Eligible |  |  |
| 859840 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.18 | 68.18 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-10-2026 | Eligible | 3.6 | 02-10-2026 |
| 859851 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 | Eligible | 1 | 02-09-2026 |
| 859859 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 20.92 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 859863 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859864 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 62.4 | 62.4 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 859871 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 859872 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859873 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 |
| 859874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 78.79 | 78.79 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-15-2026 |
| 859876 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 01-15-2026 |
| 859884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.51 | 36.51 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 859885 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859886 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 859888 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.48 | 48.48 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-17-2025 |
| 859890 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-12-2025 |
| 859892 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-02-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859893 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 12-23-2025 |
| 859894 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.04 | 65.04 | xxxxxx | xxxxxx | -.0835 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-20-2026 |  |  |  |  |  | xxxxxx | xxxxxx | -.0835 | xxxxxx | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859895 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.43 | 71.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-19-2026 |
| 859897 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 01-20-2026 |
| 859943 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.06 | 63.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 | Eligible | 1 | 01-30-2026 |
| 859945 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.61 | 62.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-21-2026 |
| 859951 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.21 | 73.21 | xxxxxx | xxxxxx | -.1250 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1250 | xxxxxx | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 02-06-2026 |
| 859970 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.77 | 69.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 859975 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.39 | 69.39 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-02-2026 | Eligible | 1.4 | 01-02-2026 |
| 859984 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.45 | 77.45 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-13-2026 | Eligible |  |  |
| 859986 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-16-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859999 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 | Eligible | 1 | 01-28-2026 |
| 860005 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.93 | 77.93 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860083 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860134 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 | Eligible | 1 | 10-29-2025 |
| 860135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 | Eligible | 1 | 10-27-2025 |
| 860252 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.67 | 56.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860330 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 860401 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-06-2026 |
| 860406 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 01-20-2026 |
| 860408 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-20-2026 |
| 860410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-23-2026 | Eligible |  |  |
| 860419 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.77 | 65.77 | xxxxxx | xxxxxx | .0532 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0532 | 01-06-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0532 | xxxxxx | Low | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860462 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.29 | 71.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 860480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 53.19 | 53.19 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 | Eligible | 1.2 | 02-09-2026 |
| 860487 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 01-20-2026 |
| 860488 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 | Eligible |  |  |
| 860489 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.67 | 56.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-16-2026 | Eligible | 1.5 | 01-16-2026 |
| 860490 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-26-2026 | Eligible | 2 | 01-26-2026 |
| 860493 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-28-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 860494 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 41.67 | 41.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-12-2026 |
| 860495 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-02-2026 | Eligible | 1 | 01-02-2026 |
| 860496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-26-2026 | Eligible | 1 | 01-26-2026 |
| 860501 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-20-2026 |
| 860562 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 41.67 | 41.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-12-2026 |
| 860569 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 10.61 | 10.61 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-07-2026 |
| 860578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.43 | 78.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 860595 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.06 | 69.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 860596 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.99 | 63.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-26-2025 |
| 860663 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.26 | 62.26 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-14-2026 |  | 1 | 01-14-2026 |
| 860668 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 01-15-2026 |
| 860669 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.06 | 71.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-28-2026 |
| 860675 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 01-26-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 860676 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.85 | 65.85 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-22-2025 |
| 860677 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-17-2025 |
| 860683 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-08-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860687 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-22-2026 |
| 860688 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 73.4 | 73.4 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 860690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.24 | 47.24 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 860692 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.5 | 79.5 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 860693 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 53.87 | 53.87 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 860705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-14-2026 |
| 860708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 860712 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 860752 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-22-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 72.02 | 72.02 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860755 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-26-2026 |
| 860770 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-11-2026 | Eligible | 1 | 02-11-2026 |
| 860793 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.05 | 67.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 860804 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-29-2026 |
| 860834 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 01-28-2026 |
| 860837 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 |
| 860843 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-24-2026 | Eligible | 1 | 02-24-2026 |
| 860846 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2026 |
| 860904 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 | Eligible | 1 | 02-03-2026 |
| 860910 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 860914 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-28-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860916 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-06-2026 | Eligible | 1 | 02-06-2026 |
| 860917 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-17-2025 | Eligible |  |  |
| 860927 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.72 | 72.72 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-21-2026 |
| 860960 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.4 | 78.64 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2026 |
| 861102 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 861103 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-23-2026 | Eligible | 1 | 02-23-2026 |
| 861113 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-12-2025 |
| 861318 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.43 | 47.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 02-12-2026 |
| 861386 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.97 | 54.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-20-2026 |
| 861387 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 | Eligible | 1 | 02-03-2026 |
| 861390 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.54 | 48.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-02-2026 |
| 861391 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 | Eligible | 1 | 02-17-2026 |
| 861393 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-17-2026 | Eligible |  |  |
| 861395 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-04-2026 | Eligible | 1 | 02-04-2026 |
| 861396 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.16 | 67.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 861397 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 02-02-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861399 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-18-2026 | Eligible | 1 | 02-18-2026 |
| 861400 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 | Eligible | 1.1 | 02-12-2026 |
| 861592 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2026 |
| 861610 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.0 | 01-20-2026 | Eligible | 1 | 01-20-2026 |
| 861616 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.17 | 74.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-12-2026 |
| 861620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-17-2026 | Eligible | 1 | 02-17-2026 |
| 861623 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 | Eligible | 1 | 02-03-2026 |
| 861626 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 | Eligible | 2.3 | 02-04-2026 |
| 861628 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861629 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 02-06-2026 |
| 861632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.82 | 79.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861634 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 861636 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.7 | 68.7 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 861639 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-12-2026 |
| 861642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2026 | Eligible | 1.4 | 02-05-2026 |
| 861643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-17-2026 | Eligible | 1 | 02-17-2026 |
| 861666 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-05-2026 |
| 861668 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.9 | 79.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-06-2026 |
| 861680 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .1783 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1783 | xxxxxx | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-27-2026 |
| 861684 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2026 |
| 861688 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 861691 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.13 | 66.13 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 861692 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861693 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 40.0 | 40.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 861699 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 02-06-2026 |
| 861707 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-16-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 | Eligible | 1 | 10-08-2025 |
| 2000011626 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-01-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 53.6 | 53.6 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-15-2025 |
| 2000011652 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 | Eligible | 1 | 10-06-2025 |
| 2000011691 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 2000011700 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.58 | 47.58 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 12-22-2025 |
| 2000011701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 34.25 | 34.25 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 2000011727 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.62 | 48.44 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 |
| 2000011729 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 |
| 2000011733 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.95 | 68.78 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-05-2026 |
| 2000011740 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.46 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 |
| 2000011745 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 22.26 | 50.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-08-2026 |
| 2000011759 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.16 | 69.16 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 | Eligible | 1.9 | 12-19-2025 |
| 2000011778 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.91 | 51.41 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 |
| 2000011787 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 14.29 | 48.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 2000011788 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-15-2026 | Eligible | 1 | 01-15-2026 |
| 2000011792 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.16 | 44.44 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 2000011807 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.5 | 62.5 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 | Eligible | 1 | 12-22-2025 |
| 2000011814 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 53.73 | 53.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011817 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 12.05 | 79.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-06-2026 | Eligible | 1 | 01-06-2026 |
| 2000011838 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.45 | 77.45 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 01-26-2026 |
| 2000011841 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-27-2026 |
| 2000011842 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 11.94 | 56.12 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 |
| 2000011845 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.91 | 39.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 2000011869 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-12-2025 |
| 2000011870 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.11 | 62.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011909 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.0 | 66.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 | Eligible | 1 | 01-20-2026 |
| 2000011933 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-08-2026 |

---

## Exhibit 99.22

**EXHIBIT 99.22**

**clarifii tax and title report** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Address** | **City** | **State** | **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** | **Issue Check Result** | **Address Variation** | **Applicant Not in Title** | **No Open Mortgage** | **Delinquent OR Unpaid Taxes** | **Other Lien Amount Before Subject** | **Federal Tax Lien** | **State Tax Lien** | **Subject Mortgage Found** | **Subject in 1st Position** | **Subject Mortgage Foreclosed** | **Break in Assignment Chain** | **Assigned to Counterparty** | **Property in Super Lien State?** | **Subject Mortgage Last Assignment Addl Info** | **Subject Mortgage Amount** | **Subject Mortgage Lien Position** | **Modification Amount** | **Modification Date** | **Subject Mortgage Modification Purpose** | **Senior Mortgages Count** | **Total Senior Mortgage Amount** | **Junior Mortgages Count** | **Total Junior Mortgage Amount** | **State Tax Lien Amount Before Subject** | **State Tax Lien Amount After Subject** | **Federal Tax Lien Amount Before Subject** | **Federal Tax Lien Amount After Subject** | **HOA Lien Amount Before Subject** | **HOA Lien Amount After Subject** | **Municipal Lien Amount Before Subject** | **Municipal Lien Amount After Subject** | **Other Lien Amount Before Subject** | **Other Lien Amount After Subject** | **Total Lien Amount Before Subject** | **Total Lien Amount After Subject (includes Delinquent Tax)** | **Total Lien Amount (includes Delinquent Tax)** | **Current Tax Amount** | **Delinquent Tax Amount** | **Total Tax Amount** | **Additional Info** |
| 855552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | Y | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 1 | 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 | xxxxxx | $0.00 | xxxxxx | "Property Type: Single Family Residential" |
| 855553 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Yes | 18 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | Y | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 1 | 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 | xxxxxx | $0.00 | xxxxxx | "Property Type: Single Family Residential" |
| 855555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | Y | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | xxxxxx | $0.00 | xxxxxx | "Property Type: Single Family Residential" |
| 857984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | Y | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | xxxxxx | $0.00 | xxxxxx | "Property Type is Multi-Family Residence." |
| 858617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | N | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | xxxxxx | $0.00 | xxxxxx | "Property Type: Single Family Residential<br> " |
| 858925 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Yes | 16 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | N | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | xxxxxx | $0.00 | xxxxxx | "Property Type: Single Family Residence<br> City Variance: xxxxxx" |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Address** | **City** | **State** | **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** | **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** |
| 855552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855553 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858925 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.23

**EXHIBIT 99.23**

**clarifii multi property Valuation** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| 846496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.12 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.12 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.12 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.12 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.12 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.12 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-20-2025 |
| 846496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.12 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.12 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.24

**EXHIBIT 99.24**

**selene diligence llc ("selene") due diligence review narrative ("report")**![](tm2611390d1_ex99-24img001.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;&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 March 5, 2025 through March 5, 2026 via files imaged and provided for review (the "Review"), in connection with the Verus 2026-4 securitization.

&nbsp;&nbsp;&nbsp;&nbsp;&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 54 residential and 46 business purpose loans for a total of 100 loans (the "Final Securitization Population").

*<u>Credit Reviews (100):</u>*

During the Review, Selene performed a credit review on 100 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (100)</u>*

During the Review, Selene performed a compliance review, as applicable, on 100 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (100):</u>*

During the Review, Selene performed a property valuation review on 100 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (100):</u>*

During the Review, Selene performed a Data Integrity Review on 100 mortgage loans in the Final Securitization Population.

*VERUS 2026-4 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 100 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;100 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;100 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;100 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;100 | &nbsp;&nbsp;100.00% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&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, Moodys Corporation, ("Moodys") and Kroll Bond Rating Agency, ("KBRA") (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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 2026-4 Executive Summary (Selene Diligence)* | Page **2** of **18** |

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

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

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

· 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.

---

| | |
|:---|:---|
| *VERUS 2026-4 Executive Summary (Selene Diligence)* | Page **3** of **18** |

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

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

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

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

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

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

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- Calculated DSCR, as required by guidelines <br> - 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 100 mortgage loans, (ii) a Compliance Review, as applicable, on 100 mortgage loans (iii) a Valuation Review on 100 mortgage loans, and (iv) a Data Integrity Review on 100 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 reviewing the 100 mortgage loans, 73 mortgage loans had a rating grade of A, and 27 mortgage loans had a rating grade of B for Kroll. 72 mortgage loans had a rating grade of A, and 27 mortgage loans had a mortgage grade of B with 1 loan graded N/A for Moody's.

---

| | |
|:---|:---|
| *VERUS 2026-4 Executive Summary (Selene Diligence)* | Page **4** of **18** |

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***Grades per loan (100 overall loans):***

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | &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;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA %** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;34.00% | &nbsp;&nbsp;34 | &nbsp;&nbsp;34.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;72 | &nbsp;&nbsp;72.00% | &nbsp;&nbsp;73 | &nbsp;&nbsp;73.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;27 | &nbsp;&nbsp;27.00% | &nbsp;&nbsp;27 | &nbsp;&nbsp;27.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;28 | &nbsp;&nbsp;28.00% | &nbsp;&nbsp;28 | &nbsp;&nbsp;28.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;33 | &nbsp;&nbsp;33.00% | &nbsp;&nbsp;34 | &nbsp;&nbsp;34.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &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;**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;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA %** | &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;97 | &nbsp;&nbsp;97.00% | &nbsp;&nbsp;98 | &nbsp;&nbsp;98.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;74 | &nbsp;&nbsp;74.00% | &nbsp;&nbsp;75 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.00% | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;25 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.00% | &nbsp;&nbsp;0 | &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;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA %** |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;99 | &nbsp;&nbsp;99.00% | &nbsp;&nbsp;100 | &nbsp;&nbsp;100.00% |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |

---

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

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

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

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.

---

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|:---|:---|
| *VERUS 2026-4 Executive Summary (Selene Diligence)* | Page **5** of **18** |

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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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|:---|:---|
| *VERUS 2026-4 Executive Summary (Selene Diligence)* | Page **6** of **18** |

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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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|:---|:---|
| *VERUS 2026-4 Executive Summary (Selene Diligence)* | Page **7** of **18** |

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**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance**

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

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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|:---|:---|
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&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;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality
and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

---

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|:---|:---|
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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 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 4100/344 (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 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;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 Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed
valuation information for reasonableness.

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;&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;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;d) Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;f) Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;h) Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&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;&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;&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 99.25

**EXHIBIT 99.25**

**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** |
| 832104 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-17 14:30 | 2025-05-08 12:00 | Waived | 2 - Non-Material C B | Compliance | TRID | Higher Priced Mortgage Loan (HPML) – Does not meet HPML Mortgage Loan Flip Transaction requirements. | Waived-HPML Flip with SOL date of xxxxxx - Due Diligence Vendor-05/08/2025 <br> Open-HPML Flip transaction is non-compliant due to missing second full appraisal. - Due Diligence Vendor-04/17/2025 |  | Waived-HPML Flip with SOL date of xxxxxx - Due Diligence Vendor-05/08/2025 |  |  |  | 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 |
| 832104 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-09 01:35 | 2026-03-25 04:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (8.853%) 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)) 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 492 and the Final Closing disclosure on Pg 253 reflects escrows. Rate lock date was entered correctly – see Pg 571 An interior and exterior appraisal was completed for this property – see pg 32 the appraisal disclosure was provided to the borrower(s)- see Pg 671, and copy of the appraisal was given to the borrower – see Pg 230-232, 237 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/09/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (8.853%) 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)) 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 492 and the Final Closing disclosure on Pg 253 reflects escrows. Rate lock date was entered correctly – see Pg 571 An interior and exterior appraisal was completed for this property – see pg 32 the appraisal disclosure was provided to the borrower(s)- see Pg 671, and copy of the appraisal was given to the borrower – see Pg 230-232, 237 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/09/2025 |  |  |  | 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 |
| 832104 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-09 01:35 | 2026-03-25 04:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-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 (8.853%) 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)) 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 492 and the Final Closing disclosure on Pg 253 reflects escrows. Rate lock date was entered correctly – see Pg 571 An interior and exterior appraisal was completed for this property – see pg 32 the appraisal disclosure was provided to the borrower(s)- see Pg 671, and copy of the appraisal was given to the borrower – see Pg 230-232, 237 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/09/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-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 (8.853%) 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)) 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 492 and the Final Closing disclosure on Pg 253 reflects escrows. Rate lock date was entered correctly – see Pg 571 An interior and exterior appraisal was completed for this property – see pg 32 the appraisal disclosure was provided to the borrower(s)- see Pg 671, and copy of the appraisal was given to the borrower – see Pg 230-232, 237 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/09/2025 |  |  |  | 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 |
| 850606 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-31 04:07 | 2026-03-25 04:52 | 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-03/25/2026 <br> Waived-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-11/28/2025 <br> Waived-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/11/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Please provide additional strong compensating factors as there are 2 exceptions. Exception provided on page #121 requested for Limited tradelines & living rent free on DSCR loan. - Due Diligence Vendor-10/31/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-11/28/2025 <br> Waived-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-11/12/2025 | DSCR is 1.17. Minimum required per guidelines is 1<br> Borrower has 44.2 months reserves post close | DSCR is 1.17. Minimum required per guidelines is 1<br> Borrower(s) have 5.38 months Reserves. Minimum required per guidelines is 3 months | Exception xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850606 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-04 10:51 | 2026-03-25 04:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Document Uploaded. - Due Diligence Vendor-01/07/2026 <br> Waived-Investor approved. - Due Diligence Vendor-01/07/2026 <br> Counter-Please provide investor approval. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/26/2025 <br> Counter-Please provide investor approval. (limited tradelines) - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/11/2025 <br> Open-Please provide additional strong compensating factors as there are 2 exceptions. Exception provided on page #121 requested for Limited tradelines & living rent free on DSCR loan. - Due Diligence Vendor-11/04/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Document Uploaded. - Due Diligence Vendor-01/07/2026 <br> Waived-Investor approved. - Due Diligence Vendor-01/07/2026 | DSCR is 1.17. Minimum required per guidelines is 1<br> Borrower has 44.2 months reserves post close | DSCR is 1.17. Minimum required per guidelines is 1<br> Borrower(s) have 5.38 months Reserves. Minimum required per guidelines is 3 months (borrower's own assets)<br> Paying off balloon note (document page 289) Rate reduction from 12.99% to 8.0% (page 304)<br> No mortgage lates - 4 months (loan dated on title as xxxxxx) | Exception xxxxxx.pdf<br> Exception xxxxxx.pdf<br> Loan Exception Request.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 852103 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852365 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-11 07:40 | 2025-12-18 05:42 | 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-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/18/2025 | Reserves- Loan File 8.62 month, GL Requirement Min 2 months<br> Personal Guaranty with Full Recourse | Reserves- Loan File 8.62 month, GL Requirement Min 2 months<br> Personal Guaranty with Full Recourse | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 852903 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 00:18 | 2026-01-27 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Counter-Upon review of documents provided, 3rd party VOE within 10 business days of close is required per guidelines. All documents are outside of 10 business days. Finding countered. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE Prior to Close Missing in loan file. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/27/2026 |  |  | Business search B1 SE.pdf<br> SE DOCS.pdf<br> BUSINESS SEARCH.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 |
| 852903 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 03:58 | 2026-01-23 02:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self employed Business narrative is missing in file, provided Business entity and articles of org, changes made in system, Finding Resolved - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Business Narrative is missing in loan file to verify the ownership. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026 | Resolved-Self employed Business narrative is missing in file, provided Business entity and articles of org, changes made in system, Finding Resolved - Due Diligence Vendor-01/23/2026 |  |  | SE DOCS.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 |
| 852903 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 23:32 | 2026-01-23 01:11 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-01/23/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026 | Resolved-1008 document is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-01/23/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/23/2026 |  |  | 1008 - Transmittal Summary-.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 |
| 852903 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 01:21 | 2026-03-25 04:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.672%) APR equals or exceeds the Federal HPML threshold of (7.67%). 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 (6.17%).(12 CFR 1026.35(a)(1)(i)) <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. TRID Header Disclosure Page 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 455 and the Final Closing disclosure on Pg#'s 166, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 478. An interior and exterior appraisal was completed for this property – see pg# 19, 34-43, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 553, and confirmation the appraisal was delivered to the borrower – see Pg#'s 465. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/13/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.672%) APR equals or exceeds the Federal HPML threshold of (7.67%). 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 (6.17%).(12 CFR 1026.35(a)(1)(i)) <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. TRID Header Disclosure Page 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 455 and the Final Closing disclosure on Pg#'s 166, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 478. An interior and exterior appraisal was completed for this property – see pg# 19, 34-43, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 553, and confirmation the appraisal was delivered to the borrower – see Pg#'s 465. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-01/13/2026 |  |  |  | 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 |
| 853316 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853680 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 21:22 | 2026-01-13 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document Provided. - Due Diligence Vendor-12/09/2025 <br> Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Preliminary Title with all pages - Seller-12/08/2025 <br> Open-Title Document is Incomplete Provide updated title as the provided one on page 914 page 2 of 11 is missing. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Preliminary Title with all pages - Seller-12/08/2025 | Resolved-Title Document Provided. - Due Diligence Vendor-12/09/2025 <br> Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/09/2025 |  |  | Preliminary Report - Update (110425).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853680 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 23:15 | 2025-12-08 23:53 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 document uploaded, DTI matches the 1008 document, Verified & entered in system - Resolved - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. updated 1008 - Seller-12/08/2025 <br> Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 26.12% but Originator DTI is 31.07%.Variance is 4.95 due to the difference in all other monthly payment our calculated all other monthly payment is $19374.89 (Tradelines $5865 + REO net rental $8946.64 + Subject PITIA $4563.25) whereas as per 1008 page 947 underwriter has considered the total of $23055.43. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. updated 1008 - Seller-12/08/2025 | Resolved-Updated 1008 document uploaded, DTI matches the 1008 document, Verified & entered in system - Resolved - Due Diligence Vendor-12/09/2025 |  |  | 1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853680 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 22:37 | 2025-12-08 23:52 | Resolved | 1 - Information B A | Credit | Credit | Purchase contract and/or addendums - | Resolved-Updated 1008 document uploaded with corrected sales price value, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-12/08/2025 <br> Open-Provide addendum for the sales price of xxxxxx as per agreement page 386 Sales price reflecting xxxxxx and EMD reflecting $13,680 whereas 1008 page 947 Final cd page 329 reflecting sales price xxxxxx and EMD $13,600. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-12/08/2025 | Resolved-Updated 1008 document uploaded with corrected sales price value, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/09/2025 |  |  | 1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853804 | xxxxxx | C A | Closed | xxxxxx | 2025-12-11 11:04 | 2025-12-16 01:18 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/16/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-12/15/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 9/5/2025 page #26 a clear fraud report is required. The Fraud report in file (page #325) has uncleared alerts. Provide the updated fraud report. <br> - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-12/15/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/16/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/16/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854067 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854069 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-11 08:11 | 2026-01-20 04:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received, closing disclosure (CD) dated xxxxxx with corresponding change of circumstance (COC). - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Received, closing disclosure (CD) dated xxxxxx with corresponding change of circumstance (COC). - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/19/2026 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosure (CD) dated xxxxxx with corresponding change of circumstance (COC) if applicable. - Due Diligence Vendor-01/11/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026 | Resolved-Received, closing disclosure (CD) dated xxxxxx with corresponding change of circumstance (COC). - Due Diligence Vendor-01/20/2026 |  |  | 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 |
| 854069 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-11 07:56 | 2026-01-20 04:14 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received supplemental title with insured amount present. - Due Diligence Vendor-01/20/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/19/2026 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Preliminary title does not list a coverage amount. - Due Diligence Vendor-01/11/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026 | Resolved-Received supplemental title with insured amount present. - Due Diligence Vendor-01/20/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/20/2026 |  |  | Title Supplement.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 |
| 854069 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-07 23:17 | 2026-01-20 04:11 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Received COC to cure tolerance. - Due Diligence Vendor-01/20/2026 <br> Resolved- - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/19/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <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 discount fee is increased from Initial LE to Final Cd and there is no Coc to cure the tolerance - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026 | Resolved-Received COC to cure tolerance. - Due Diligence Vendor-01/20/2026 |  |  | 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 |
| 854069 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-07 23:17 | 2026-03-25 04:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.33%) equals or exceeds the xxxxxx HPML threshold of (7.75%). 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 (6.25%).(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 255, and the Final Closing disclosure on Pg#'s 65, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 39-46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 282, and confirmation the appraisal was delivered to the borrower – see Pg#'s 27. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/20/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.33%) equals or exceeds the xxxxxx HPML threshold of (7.75%). 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 (6.25%).(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 255, and the Final Closing disclosure on Pg#'s 65, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 39-46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 282, and confirmation the appraisal was delivered to the borrower – see Pg#'s 27. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/08/2026 |  |  |  | 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 |
| 854069 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-07 23:17 | 2026-03-25 04:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Resolved-The loan's (9.33%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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 255, and the Final Closing disclosure on Pg#'s 65, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 39-46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 282, and confirmation the appraisal was delivered to the borrower – see Pg#'s 27. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/20/2026 <br> Resolved-The loan's (9.33%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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 255, and the Final Closing disclosure on Pg#'s 65, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 39-46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 282, and confirmation the appraisal was delivered to the borrower – see Pg#'s 27. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/08/2026 |  |  |  | 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 |
| 854081 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 07:49 | 2026-01-20 05:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD dated xxxxxx and related COC received. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/19/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD dated xxxxxx and related COC. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026 | Resolved-Initial CD dated xxxxxx and related COC received. - Due Diligence Vendor-01/20/2026 |  |  | xxxxxx CC.pdf<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 | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 854127 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-05 03:34 | 2026-01-06 04:00 | 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-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/05/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/06/2026 | Personal Guaranty with Full Recourse <br> 796 Representative credit score exceeds the minimum required credit score of 700 by 96 points.<br> 16.65 months reserves exceed the minimum required of 2 months<br> Borrower contribution is 100% >5% above min of 10% sales price<br> Housing Payment History is 0x30x12 months, GL Requirement 0x30x24 months | Personal Guaranty with Full Recourse <br> 796 Representative credit score exceeds the minimum required credit score of 700 by 96 points.<br> $31,741.2 reserves exceed the minimum required of $3,812.7 exceeds the minimum by 13 months over the required minimum.<br> Borrower contribution is 100% >5% above min of 10% sales price<br> Housing Payment History is 0x30x12 months, GL Requirement 0x30x24 months | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 854127 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-05 05:22 | 2026-01-05 12:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 382 <br> Exception Reason: OTHER- Closing in entity "xxxxxx" cannot verify the entity is soley for the purpose of owning and managing real estate.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/05/2026 |  | Waived-Loan does not conform to program guidelines Exception page 382 <br> Exception Reason: OTHER- Closing in entity "xxxxxx" cannot verify the entity is soley for the purpose of owning and managing real estate.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/05/2026 | Personal Guaranty with Full Recourse <br> 796 Representative credit score exceeds the minimum required credit score of 700 by 96 points.<br> 16.65 months reserves exceed the minimum required of 2 months<br> Borrower contribution is 100% >5% above min of 10% sales price<br> Housing Payment History is 0x30x12 months, GL Requirement 0x30x24 months | 796 Representative credit score exceeds the minimum required credit score of 700 by 96 points.<br> $31,741.2 reserves exceed the minimum required of $3,812.7 exceeds the minimum by 13 months over the required minimum.<br> Borrower contribution is 100% >5% above min of 10% sales price<br> Housing Payment History is 0x30x12 months, GL Requirement 0x30x24 months<br>|  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854178 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-12 03:39 | 2025-12-14 03:31 | 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-12/14/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Open-Guidelines do not allow entity to sign note Note and mortgage signed by the borrower as a xxxxxx of an LLC. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-12/14/2025 | Borrower signed a personal guaranty.<br> Guidelines require 2 months reserves. Borrower qualified with 100 months reserves. <br> Guidelines require a 700 credit mid score, Borrower qualified with a 733 mid score. | Borrower signed a personal guaranty.<br> Guidelines require 2 months reserves. Borrower qualified with 13 months reserves. <br> Guidelines require a 700 credit mid score, Borrower qualified with a 733 mid score. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854178 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-05 08:47 | 2025-12-12 03:48 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-Resolved, received executed note. - Due Diligence Vendor-12/12/2025 <br> Resolved-The Note is Executed - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open-The Note is Not Executed Note is missing the the business entity signature. The mortgage shows the borrower as a business entity. Needs to be signed as xxxxxx. Title is also vested in the business entities name. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025 | Resolved-Resolved, received executed note. - Due Diligence Vendor-12/12/2025 <br> Resolved-The Note is Executed - Due Diligence Vendor-12/12/2025 |  |  | xxxxxx Closing pkg.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854178 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-05 08:47 | 2025-12-12 03:48 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Resolved, received executed deed of trust. - Due Diligence Vendor-12/12/2025 <br> Resolved-The Deed of Trust is Executed - Due Diligence Vendor-12/12/2025 <br> Ready for Review-See items uploaded to note condition. - Seller-12/11/2025 <br> Open-The Deed of Trust is Not Executed Note is missing the the business entity signature. The mortgage shows the borrower as a business entity. Needs to be signed as xxxxxx. Title is also vested in the business entities name. - Due Diligence Vendor-12/05/2025 | Ready for Review-See items uploaded to note condition. - Seller-12/11/2025 | Resolved-Resolved, received executed deed of trust. - Due Diligence Vendor-12/12/2025 <br> Resolved-The Deed of Trust is Executed - Due Diligence Vendor-12/12/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854223 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-11 04:51 | 2026-02-09 14:02 | 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-02/09/2026 <br> Counter-Escalated to management. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-12/31/2025 <br> Counter-The GL states the xxxxxx program requires 0x30x24 housing history & rent free is not allowed. Canceled rent checks cover the most recent 3 months. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Proof of paid rent - Seller-12/17/2025 <br> Counter-Provide evidence of the rent paid at xxxxxx per lease of $4,250 (4 months per 1003/lease shows 2 months) & proof of housing payment for prior residence of xxxxxx for remainder of 24 month requirement. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Rent Payment, VOR, Divorce Decree - Seller-12/15/2025 <br> Open-GL xxxxxx matrix requires a 24-month housing history. Provide the 24-month housing history as it is currently missing from the file. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-12/31/2025 <br> Ready for Review-Document Uploaded. Proof of paid rent - Seller-12/17/2025 <br> Ready for Review-Document Uploaded. Rent Payment, VOR, Divorce Decree - Seller-12/15/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 | Audited FICO 807; minimum required is 700<br> 30.71 months verified reserves; 6 required<br> 20+ years S/E; 2 years required | Audited FICO 807; minimum required is 700<br> 30.71 months verified reserves; 6 required<br> 20+ years S/E; 2 years required | VOR.pdf<br> VOR.pdf<br> Divorce Decree.pdf<br> Rent Payment.pdf<br> xxxxxx Exception Approval.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 |
| 854591 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-07 21:19 | 2025-12-12 03:53 | 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-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open-Guidelines do not allow entity to sign note. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-12/12/2025 | Borrower signed a personal guaranty.<br> Qualifying score per guidelines 700 Borrower qualified with an 808<br> Months reserves required per guidelines 2 Borrower qualified with 6.58 months reserves. | Borrower signed a personal guaranty.<br> Qualifying score per guidelines 700 Borrower qualified with an 808<br> Months reserves required per guidelines 2 Borrower qualified with 4.87 months reserves. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854648 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854654 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854803 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-26 08:17 | 2026-03-25 05:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Exception made for rural property on an investment loan. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. xxxxxx Funding chooses to make an exception on the minimum loan amount for this property. Please see attached exception form. - Buyer-02/11/2026 <br> Open-Loan does not conform to program guidelines Income qualifying investment rural property, per guidelines allowed on an exception basis. - Due Diligence Vendor-12/26/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Exception made for rural property on an investment loan. - Due Diligence Vendor-02/12/2026 | Borrower(s) have 37.2 months Reserves. Minimum required per guidelines is 3 months.<br> Residual Income is $23751.89. Minimum Residual Income required per guidelines is $3500. <br> Credit Score is 790. Minimum required per guidelines is 700. | Borrower(s) have 37.2 months Reserves. Minimum required per guidelines is 3 months.<br> Residual Income is $23751.89. Minimum Residual Income required per guidelines is $3500. <br> Credit Score is 790. Minimum required per guidelines is 700. | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 854806 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-15 23:13 | 2025-12-19 11:42 | 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-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/19/2025 | LTV- Loan File 60%, GL Requirement Max 75%<br> Investor Experience- Heavy experience 4 REO investment properties<br> Personal Guaranty with Full Recourse | LTV- Loan File 60%, GL Requirement Max 75%<br> Investor Experience- Heavy experience 4 REO investment properties<br> Personal Guaranty with Full Recourse | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 854810 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-05 06:20 | 2025-12-09 06:33 | 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-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Guidelines do not allow entity to sign note UW Exception for Borrower signing Note as member of LLC required. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/09/2025 | 764 Qualifying Score > minimum required 700<br> 24+ months Reserves . Minimum required 2 months<br> Personal Guaranty with full recourse executed by borrower present in file | 764 Qualifying Score > minimum required 700<br> 24+ months Reserves . Minimum required 2 months<br> Personal Guaranty with full recourse executed by borrower present in file | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854874 | xxxxxx | C A | Closed | xxxxxx | 2026-01-08 06:25 | 2026-01-25 05:49 | Resolved | 1 - Information C A | Compliance | Fees:Limited | xxxxxx - Fees Limitation | Resolved-Received rate lock showing bona fide. - Due Diligence Vendor-01/25/2026 <br> Resolved- - Due Diligence Vendor-01/25/2026 <br> Open- - Due Diligence Vendor-01/25/2026 <br> Open-. - Due Diligence Vendor-01/25/2026 <br> Open- - Due Diligence Vendor-01/25/2026 <br> Ready for Review-Document Uploaded. See lock sheet showing 7.25 at 99.53. Par would be 100 at 7.375, so it's 7.25 with .47 points. - Seller-01/23/2026 <br> Open-Fees paid to lender exceed the threshold. Under the xxxxxx Interest Provisions, on a first lien closed end loan less than $300,000, lender fees not specifically authorized by statute are limited to ($680.00), which is the greater of 1/4 of 1% of the loan amount or $150. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($1,278.40). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. (xxxxxx. Gen. Stat. 24-1.1A(c)(1); 24-8(d); 24-10(d)) Missing Rate Sheet or Discount Point Disclosure to confirm "bona fide" discount point. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. See lock sheet showing 7.25 at 99.53. Par would be 100 at 7.375, so it's 7.25 with .47 points. - Seller-01/23/2026 | Resolved-Received rate lock showing bona fide. - Due Diligence Vendor-01/25/2026 |  |  | 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 |
| 854874 | xxxxxx | C A | Closed | xxxxxx | 2026-01-08 06:25 | 2026-01-25 05:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Open- - Due Diligence Vendor-01/25/2026 <br> Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Open- - Due Diligence Vendor-01/25/2026 <br> Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Open- - Due Diligence Vendor-01/25/2026 <br> Resolved-The loan's (7.838%) APR equals or exceeds the Federal HPML threshold of (7.73%). 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 (6.23%).(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 504 and the Final Closing disclosure on Pg#'s 360 reflects escrows. Rate lock date was entered correctly – see Pg#'s 537 An interior and exterior appraisal was completed for this property – see pg 70-104, the appraisal disclosure was provided to the borrower(s)- see Pg#'592 593, and copy of the appraisal was given to the borrower – see Pg#'s 535 re for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Resolved-The loan's (7.838%) APR equals or exceeds the Federal HPML threshold of (7.73%). 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 (6.23%).(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 504 and the Final Closing disclosure on Pg#'s 360 reflects escrows. Rate lock date was entered correctly – see Pg#'s 537 An interior and exterior appraisal was completed for this property – see pg 70-104, the appraisal disclosure was provided to the borrower(s)- see Pg#'592 593, and copy of the appraisal was given to the borrower – see Pg#'s 535 re for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854874 | xxxxxx | C A | Closed | xxxxxx | 2026-01-08 06:25 | 2026-01-25 05:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Open- - Due Diligence Vendor-01/25/2026 <br> Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Open- - Due Diligence Vendor-01/25/2026 <br> Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Open- - Due Diligence Vendor-01/25/2026 <br> Resolved-The loan's (7.838%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (7.73%). 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 (6.23%).(xxxxxx. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) <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. TRID Header Disclosure Page 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 504 and the Final Closing disclosure on Pg#'s 360 reflects escrows. Rate lock date was entered correctly – see Pg#'s 537 An interior and exterior appraisal was completed for this property – see pg 70-104, the appraisal disclosure was provided to the borrower(s)- see Pg#'592 593, and copy of the appraisal was given to the borrower – see Pg#'s 535 re for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/25/2026 <br> Resolved-The loan's (7.838%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (7.73%). 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 (6.23%).(xxxxxx. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) <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. TRID Header Disclosure Page 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 504 and the Final Closing disclosure on Pg#'s 360 reflects escrows. Rate lock date was entered correctly – see Pg#'s 537 An interior and exterior appraisal was completed for this property – see pg 70-104, the appraisal disclosure was provided to the borrower(s)- see Pg#'592 593, and copy of the appraisal was given to the borrower – see Pg#'s 535 re for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854909 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 855105 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-22 00:14 | 2025-12-29 04:35 | 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-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/29/2025 | 46.65 months reserves exceed the minimum required of 2 months<br> 760 Representative credit score exceeds the minimum required of 700 by 60 points<br> Personal Guaranty with Full Recourse | $80,106.45 reserves exceed the minimum required of $3,434.36 exceeds the minimum by 46 months over the required minimum.<br> 760 Representative credit score exceeds the minimum required of 700 by 60 points<br> Personal Guaranty with Full Recourse | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 855105 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-23 07:27 | 2025-12-29 04:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 3 Missing | Resolved-Resolved. Evidence of EMD received. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Open-Provide evidence of EMD receipt iao $3,000 - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025 | Resolved-Resolved. Evidence of EMD received. - Due Diligence Vendor-12/29/2025 |  |  | EMD items.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855417 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855767 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 03:04 | 2026-01-21 07:27 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Income has been updated Variance is at 1.01, however the DTI is lower finding not required - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. xxxxxx Benefit Letter attached. This is grossed up as it is non-taxable income. - Seller-01/15/2026 <br> Open-The audited HTI/DTI ratios are 16.55% and 42.29%, compared to the lender's figures of 14.72% and 38.63%, resulting in variances of 1.83% and 3.66%, respectively. <br>This is because (1) the lender calculated qualifying income as $51,762.82, which included xxxxxx benefit income of $5,709.96; however, the audited review excludes this amount due to lack of supporting documentation, reducing qualifying income to $46,052.86. (2) the lender reported monthly debt at $19,980.10, while the audited review determined it to be $19,461.10 (credit liabilities of $783.66 + REO rent loss $6,490.61 + subject rent loss $4,571.83 + primary housing expenses $7,615.00). - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. xxxxxx Benefit Letter attached. This is grossed up as it is non-taxable income. - Seller-01/15/2026 | Resolved-Income has been updated Variance is at 1.01, however the DTI is lower finding not required - Due Diligence Vendor-01/16/2026 |  |  | xxxxxx Benefit Letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855767 | xxxxxx | D A | Closed | xxxxxx | 2026-01-14 08:11 | 2026-01-21 06:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received updated 1003, and 1008 updated employment page, 1003 and 1008 - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Updated 1003/1008 rents were removed from xxxxxx as they were put there in error. The lease in file is for xxxxxx so the Rents have been put under this property. - Seller-01/20/2026 <br> Open-Lease agreement for xxxxxx is missing from the file. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Updated 1003/1008 rents were removed from xxxxxx as they were put there in error. The lease in file is for xxxxxx so the Rents have been put under this property. - Seller-01/20/2026 | Resolved-Received updated 1003, and 1008 updated employment page, 1003 and 1008 - Due Diligence Vendor-01/21/2026 |  |  | xxxxxx 1003.1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855767 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 22:43 | 2026-01-16 00:24 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-xxxxxx Benefit Letter uploaded and grossed up as it is non-taxable income, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. xxxxxx Benefit Letter attached. This is grossed up as it is non-taxable income - Seller-01/15/2026 <br> Open-Per the final 1003 and 1008, the borrower is listed as receiving xxxxxx benefit income of $5,709.96. Provide supporting documentation to validate this income, as it is not currently included in the file. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. xxxxxx Benefit Letter attached. This is grossed up as it is non-taxable income - Seller-01/15/2026 | Resolved-xxxxxx Benefit Letter uploaded and grossed up as it is non-taxable income, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/16/2026 |  |  | xxxxxx Benefit Letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856256 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 00:14 | 2026-03-25 05:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's received, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved- - Due Diligence Vendor-02/23/2026 <br> Ready for Review-See fees condition. - Seller-02/20/2026 <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, 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)). Provide Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/12/2026 | Ready for Review-See fees condition. - Seller-02/20/2026 | Resolved-Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's received, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved- - Due Diligence Vendor-02/23/2026 |  |  |  | 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 |
| 856256 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 00:14 | 2026-03-25 05:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's received, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved-Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's received. - Due Diligence Vendor-03/24/2026 <br> Resolved- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Open-The total amount of the 10% category fees ($75.00) 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)). Provide Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026 | Resolved-Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's received, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved-Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's received. - Due Diligence Vendor-03/24/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<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 | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856256 | xxxxxx | D A | Closed | xxxxxx | 2026-02-19 07:30 | 2026-02-23 04:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's received. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-See fees condition. - Seller-02/20/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's. - Due Diligence Vendor-02/19/2026 | Ready for Review-See fees condition. - Seller-02/20/2026 | Resolved-Revised CD's dated xxxxxx, xxxxxx, xxxxxx, xxxxxx, xxxxxx and related COC's received. - Due Diligence Vendor-02/23/2026 |  |  |  | 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 |
| 856256 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 00:14 | 2026-02-23 04:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Open- - Due Diligence Vendor-02/23/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Resolved-The loan's (7.754%) APR equals or exceeds the Federal HPML threshold of (7.69%). 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 (6.19%).(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 307 and the Final Closing disclosure on page 192 reflects escrows. Rate lock date was entered correctly – see page 333. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 425 and copy of the appraisal was given to the borrower – see page 341. The loan meets HPML guidelines. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/23/2026 <br> Resolved-The loan's (7.754%) APR equals or exceeds the Federal HPML threshold of (7.69%). 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 (6.19%).(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 307 and the Final Closing disclosure on page 192 reflects escrows. Rate lock date was entered correctly – see page 333. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 425 and copy of the appraisal was given to the borrower – see page 341. The loan meets HPML guidelines. - Due Diligence Vendor-02/12/2026 |  |  |  | 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 |
| 856258 | xxxxxx | A | Closed | xxxxxx | 2026-01-21 23:33 | 2026-01-23 08:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/23/2026 <br> Resolved-The loan's (8.243%) APR equals or exceeds the Federal HPML threshold of (7.69%). 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 (6.19%).(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# 229 and the Final Closing disclosure on Pg# 113 reflects escrows. Rate lock date was entered correctly see Pg# 247 An interior and exterior appraisal was completed for this property – see Page# 27 the appraisal disclosure was provided to the borrower(s)- see Pg# 292, and copy of the appraisal was given to the borrower see Pg# 305 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/22/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/23/2026 <br> Resolved-The loan's (8.243%) APR equals or exceeds the Federal HPML threshold of (7.69%). 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 (6.19%).(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# 229 and the Final Closing disclosure on Pg# 113 reflects escrows. Rate lock date was entered correctly see Pg# 247 An interior and exterior appraisal was completed for this property – see Page# 27 the appraisal disclosure was provided to the borrower(s)- see Pg# 292, and copy of the appraisal was given to the borrower see Pg# 305 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/22/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856266 | xxxxxx | D A | Closed | xxxxxx | 2026-01-28 05:36 | 2026-02-04 03:35 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved findings xxxxxx received initial 1003 page 5, resolved. - Due Diligence Vendor-02/04/2026 <br> Rescinded- - Due Diligence Vendor-02/04/2026 <br> Resolved- - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 <br> Counter-Documents not signed by borrower 1 (xxxxxx), countered. - Due Diligence Vendor-02/03/2026 <br> Counter-Documents not signed by borrower 1 (xxxxxx), countered. - Due Diligence Vendor-02/03/2026 <br> Counter- - Due Diligence Vendor-02/03/2026 <br> Counter- - Due Diligence Vendor-02/03/2026 <br> Counter-Documents not signed by borrower 1 (xxxxxx), countered. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Open-The Initial Disclosure Date (xxxxxx) is more than 3 business days from the Application Date (xxxxxx). Three business days from the Application Date is (xxxxxx). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Missing initial LE dated xxxxxx. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 | Resolved-Resolved findings xxxxxx received initial 1003 page 5, resolved. - Due Diligence Vendor-02/04/2026 <br> Rescinded- - Due Diligence Vendor-02/04/2026 |  |  | xxxxxx signed initials.pdf<br> xxxxxx Disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 856266 | xxxxxx | D A | Closed | xxxxxx | 2026-01-28 06:58 | 2026-02-04 03:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received 1003, resolved. Findings page 5 dated 02/03/2026. - Due Diligence Vendor-02/04/2026 <br> Counter-Documents not signed by borrower 1 (xxxxxx), countered. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Open-Initial 1003 dated xxxxxx is missing signed by all parties. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/02/2026 | Resolved-Received 1003, resolved. Findings page 5 dated 02/03/2026. - Due Diligence Vendor-02/04/2026 |  |  | xxxxxx signed initials.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 856267 | xxxxxx | D A | Closed | xxxxxx | 2026-01-20 23:18 | 2026-02-03 03:03 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-02/03/2026 <br> Resolved-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 Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <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 CU Score is greater than 2.5 (3.3) page 224, Provide a valid secondary valuation as per guideline requirements. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-02/02/2026 | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-02/03/2026 <br> Resolved-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 Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-02/03/2026 |  |  | xxxxxx_RDA.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 |
| 856272 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-30 12:21 | 2026-01-06 07:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception on page 17<br> Reserves- Loan File 5.19 months, GL Requirement 6 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-Qualifying Total Reserves Number of Months '5.19' is less than Required Months of Subject Property Reserves '6'. Provide Exception or provide evidence of additional HELOC funds being sent to Closing Agent. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026 | Waived-Exception on page 17<br> Reserves- Loan File 5.19 months, GL Requirement 6 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/06/2026 | LTV - Loan File 70%, GL Requirement Max 75%<br> DSCR- Loan File 1.30, GL Requirement 1.0<br> Borrower Contribution 30% of Sales Price, GL Requirement 10% of Sales Price | LTV - Loan File 70%, GL Requirement Max 75%<br> DSCR- Loan File 1.30, GL Requirement 1.0<br> Borrower Contribution 30% of Sales Price, GL Requirement 10% of Sales Price | Updated items with exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 856272 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-26 08:19 | 2026-01-06 07:44 | 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-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/06/2026 | Personal Guaranty with Full Recourse <br> Reserves- Loan File 5.19 months, GL Requirement 2 months<br> LTV - Loan File 70%, GL Requirement Max 75%<br> DSCR- Loan File 1.30, GL Requirement 1.0<br> Borrower contribution 30% vs 10% guideline. | Personal Guaranty with Full Recourse <br> Reserves- Loan File 5.19 months, GL Requirement 2 months<br> LTV - Loan File 70%, GL Requirement Max 75%<br> DSCR- Loan File 1.30, GL Requirement 1.0<br> Borrower contribution 30% vs 10% guideline. | xxxxxx EXc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 856272 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-30 11:59 | 2026-01-06 07:41 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Resolved. Updated DSCR Worksheet received with DSCR 1.30 - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-The calculation validating the correct DSCR is as follows: Unit xxxxxx - Est $650+ Unit xxxxxx Actual $950, Unit xxxxxx Est $950, Unit xxxxxx Est $550 =$3,100 / PITIA of $2,383.86= 1.30 DSCR; however, Loan Approval and DSCR Worksheet reflects DSCR 1.368. Provide DSCR calculation - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026 | Resolved-Resolved. Updated DSCR Worksheet received with DSCR 1.30 - Due Diligence Vendor-01/06/2026 |  |  | Updated items with exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856273 | xxxxxx | D A | Closed | xxxxxx | 2026-01-04 06:58 | 2026-01-09 02:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Resolved, received 1003 with foreign address. - Due Diligence Vendor-01/09/2026 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Per Guidelines: A Foreign National may periodically visit the xxxxxx. for various reasons including vacation and/or business, however, they must live in another country. This must be <br> evidenced on URLA Page 1 Current Address. Current address is not listed on 1003. Address list a xxxxxx state and zip code. - Due Diligence Vendor-01/04/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026 | Resolved-Resolved, received 1003 with foreign address. - Due Diligence Vendor-01/09/2026 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-01/09/2026 |  |  | xxxxxx 1003.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856274 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856275 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-05 01:31 | 2026-01-07 01:56 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-CDA provided. Resolved - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-xxxxxx SSR was provided; however, CU Score was not noted. Provide Secondary Valuation. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/06/2026 | Resolved-CDA provided. Resolved - Due Diligence Vendor-01/07/2026 |  |  | xxxxxx CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856275 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-05 06:00 | 2026-01-05 06:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 230. <br> Exception Reason: OTHER-Borrower is from an OFAC sanctioned country (xxxxxx)but is not personally listed on the OFAC Sanction list.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/05/2026 |  | Waived-Loan does not conform to program guidelines Exception page 230. <br> Exception Reason: OTHER-Borrower is from an OFAC sanctioned country (xxxxxx)but is not personally listed on the OFAC Sanction list.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/05/2026 | DSCR ratio of 1.603 exceeds the minimum requirement of 1 by 0.603 points.<br> $22,349.04reserves exceed the minimum required of $1,559.76 exceeds the minimum by 8 months over the required minimum.<br> Borrower Contribution 25% which is > 5% above min 10% of sales price. | DSCR ratio of 1.603 exceeds the minimum requirement of 1 by 0.603 points.<br> $22,349.04reserves exceed the minimum required of $1,559.76 exceeds the minimum by 8 months over the required minimum.<br> Borrower Contribution 25% which is > 5% above min 10% of sales price. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856276 | xxxxxx | B A | Closed | xxxxxx | 2025-12-18 05:43 | 2026-03-25 05:14 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Exception page 396. <br> Exception Reason: OTHER- Borrower is from an OFAC Sanctioned Country xxxxxx however is not personally on the OFAC list - Due Diligence Vendor-12/18/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Exception page 396. <br> Exception Reason: OTHER- Borrower is from an OFAC Sanctioned Country xxxxxx however is not personally on the OFAC list - Due Diligence Vendor-12/18/2025 | Reserves- Loan File 14 months, GL Requirement 6 months<br> Borrower Contribution - 25%, GL Requirement 10%sales price  | Reserves- Loan File 14 months, GL Requirement 6 months<br> Borrower Contribution - 25%, GL Requirement 10%sales price  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856278 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-14 09:36 | 2025-12-15 08:46 | 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-12/15/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/15/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/14/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-12/15/2025 | Credit Score- Loan File B1 749, GL Requirement Min 700<br> Reserves - Loan File 82.63 months, GL Requirement 6 months<br> DSCR - Loan File 1.241, GL Requirement 1.0<br> Personal Guaranty with Full Recourse | Credit Score- Loan File B1 749, GL Requirement Min 700<br> Reserves - Loan File 82.63 months, GL Requirement 6 months<br> DSCR - Loan File 1.241, GL Requirement 1.0<br> Personal Guaranty with Full Recourse | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 856284 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856288 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-08 04:30 | 2026-01-15 05:09 | 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-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/15/2026 | Personal Guaranty with Full Recourse.<br> Reserves- Loan File 84.97 months, GL Requirement Min 2 months<br> Credit Score- Loan File 771, GL Requirement Min 700<br> Housing History- Loan File 0x30x43 months, GL Requirement 1x30x12 months | Personal Guaranty with Full Recourse.<br> Reserves- Loan File 84.97 months, GL Requirement Min 2 months<br> Credit Score- Loan File 771, GL Requirement Min 700<br> Housing History- Loan File 0x30x43 months, GL Requirement 1x30x12 months | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 856291 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-08 06:42 | 2026-01-09 05:40 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Resolved. Fax from lender confirming no lates received. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Previous residence mortgage w/ xxxxxx was in the borrower's mother in laws name. Evidence of payments from spouse account in file from 11/2024 to 8/2025 page 68 -131 along with fax from lender confirming no lates. Provide fax from lender confirming no lates. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026 | Resolved-Resolved. Fax from lender confirming no lates received. - Due Diligence Vendor-01/09/2026 |  |  | xxxxxx Pmt History Fax.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856291 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-06 02:21 | 2026-01-09 05:37 | 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-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-01/09/2026 | Personal Guaranty with Full Recourse <br> Reserves- Loan File 14.27 months, GL Requirement Min 2 months<br> DSCR - Loan File 1.104, GL Requirement 1 | Personal Guaranty with Full Recourse <br> Reserves- Loan File 14.27 months, GL Requirement Min 2 months<br> DSCR - Loan File 1.104, GL Requirement 1 | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 856295 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856297 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856353 | 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 |  |  |  |
| 856733 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-05 20:47 | 2026-01-09 05:56 | 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-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-01/09/2026 | Personal Guaranty with Full Recourse <br> Reserves- Loan File 166.23 months, GL Requirement 2 months<br> Housing payment history 0x30x12 months, GL Requirement 1x30x12 months | Personal Guaranty with Full Recourse <br> Reserves- Loan File 166.23 months, GL Requirement 2 months<br> Housing payment history 0x30x12 months, GL Requirement 1x30x12 months | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 856892 | xxxxxx | D A | Closed | xxxxxx | 2026-01-11 22:35 | 2026-02-05 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated income from worksheet, 1003 & 1008. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Updated Income worksheet with 1008/1003 - Seller-02/04/2026 <br> Counter-The xxxxxx acct xxxxxx dated November 2025 bank statement figures do not match the line items entered on the income calculation worksheet provided (page 490 in the file) for deposits for this time period. Provide a revised income worksheet to support the accurate figures from the xxxxxx acct xxxxxx (1003/1008 may need to be revised). - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-01/28/2026 <br> Counter-Provide the income worksheet for account xxxxxx with the bank account clearly entered (it remains corrupt on the revised version provided). The xxxxxx acct xxxxxx November 2025 figures on the bank statement do not match the line items entered on the income calculation worksheet provided (page 490 in the file) for deposits. Provide a revised income worksheet to support the accurate figures from the xxxxxx acct xxxxxx (1003/1008 may need to be revised). - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Income worksheet and bank statement - Seller-01/21/2026 <br> Counter-Provide the second income worksheet for Acct xxxxxx and the 11/2025 bank statement for Acct xxxxxx. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-01/14/2026 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The lender income calculation worksheet on page #491 is currently displaying numbers that are unclear and hard to verify the exact deposit amounts. Provide an updated worksheet with legible figures and the Acct xxxxxx 11/2025 bank statement to support the entry on the income worksheet on page #490. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Updated Income worksheet with 1008/1003 - Seller-02/04/2026 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-01/28/2026 <br> Ready for Review-Document Uploaded. Income worksheet and bank statement - Seller-01/21/2026 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-01/14/2026 | Resolved-Updated income from worksheet, 1003 & 1008. - Due Diligence Vendor-02/05/2026 |  |  | xxxxxx Income Calculation Worksheet.pdf<br> xxxxxx Income Calculation Worksheet 2.pdf<br> xxxxxx Bank Statement.pdf<br> xxxxxx Income Analyzer Worksheet.pdf<br> Income Calculation Worksheet.pdf<br> 1008.pdf<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 |
| 856892 | xxxxxx | D A | Closed | xxxxxx | 2026-01-11 23:12 | 2026-01-21 06:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 6 Missing | Resolved-Receipt from listing agent and seller of due diligence fee/deposit for transaction. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. This was not an EMD this was a Due Diligence Fee paid Directly to the Seller - Seller-01/14/2026 <br> Open-Provide evidence of earnest money deposit in the amount of $5,000 as it was not located in the file. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. This was not an EMD this was a Due Diligence Fee paid Directly to the Seller - Seller-01/14/2026 | Resolved-Receipt from listing agent and seller of due diligence fee/deposit for transaction. - Due Diligence Vendor-01/21/2026 |  |  | xxxxxx Due Diligence Fee.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 |
| 856963 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-20 08:20 | 2026-02-05 08:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/26/2026 |  |  | License.pdf<br> SE docs 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 |
| 856963 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-20 08:20 | 2026-02-05 08:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 WVOE Missing | Resolved-Finding added for Borrower 2 WVOE Missing; Unable to verify b2 OT and Bonus income, asked for WVOE, Provided recent Pay stub Verified Bonus and OT income, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-01/26/2026 <br> Resolved-Borrower 2 WVOE Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-Borrower 2 WVOE Missing WVOE for borrower 2 is missing to Calculate the OT and Bonus income. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Resolved-Finding added for Borrower 2 WVOE Missing; Unable to verify b2 OT and Bonus income, asked for WVOE, Provided recent Pay stub Verified Bonus and OT income, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-01/26/2026 <br> Resolved-Borrower 2 WVOE Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/26/2026 |  |  | B2 paystubs.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 |
| 856963 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-20 09:49 | 2026-01-26 07:26 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-initial cd provided- resolved - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx) - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Resolved-initial cd provided- resolved - Due Diligence Vendor-01/26/2026 |  |  | INITIAL CD SIGNED.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 |
| 857024 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-02 10:51 | 2026-01-22 08:21 | Resolved | 1 - Information C A | Credit | Doc Issue | Title reports unpaid liens | Resolved-Rec'd lien release - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <br> Open-Provide evidence that Title lien Sch. B Part 1 Requirement #6 has been satisfied. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026 | Resolved-Rec'd lien release - Due Diligence Vendor-01/22/2026 |  |  | Recorded release.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 |
| 857028 | xxxxxx | A | Closed | xxxxxx | 2026-01-20 01:27 | 2026-01-22 13:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/22/2026 <br> Resolved-The loan's (8.747%) APR equals or exceeds the Federal HPML threshold of (7.77%). 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 (6.27%).(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 199, reflects escrows. Rate lock date was entered correctly – see Pg#'s 324. An interior and exterior appraisal was completed for this property – see pg 28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 408, and confirmation the appraisal was delivered to the borrower – see Pg#'s 184. The loan meets HPML guidelines. - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/20/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/22/2026 <br> Resolved-The loan's (8.747%) APR equals or exceeds the Federal HPML threshold of (7.77%). 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 (6.27%).(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 199, reflects escrows. Rate lock date was entered correctly – see Pg#'s 324. An interior and exterior appraisal was completed for this property – see pg 28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 408, and confirmation the appraisal was delivered to the borrower – see Pg#'s 184. The loan meets HPML guidelines. - Due Diligence Vendor-01/20/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857031 | xxxxxx | C A | Closed | xxxxxx | 2026-02-09 22:49 | 2026-03-25 05:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Closing disclosures (CDs) with corresponding change of circumstances (COCs) provided, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved- - Due Diligence Vendor-02/12/2026 <br> Resolved- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <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)). Points - Loan Discount Fee increased to $333.60 with no change of circumstance. Missing change of circumstance (COC). - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 | Resolved-Closing disclosures (CDs) with corresponding change of circumstances (COCs) provided, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved- - Due Diligence Vendor-02/12/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<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 | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857031 | xxxxxx | C A | Closed | xxxxxx | 2026-02-09 21:34 | 2026-02-12 01:42 | 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<br> - Due Diligence Vendor-02/12/2026 <br> Resolved-Validation Resolved - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Open-Qualifying FICO on the 1008 Page is '680' or blank, but the Qualifying FICO from the Credit Liabilities Page is '700' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per 1008, the FICO score is 680. However, the qualifying FICO score selected as 'Primary Wage Earner Mid Score' qualifying FICO is 700. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 | Resolved-Fico Mis match from 1008 to Credit report, Provided updated 1008, changes made in system, Finding Resolved<br> - Due Diligence Vendor-02/12/2026 <br> Resolved-Validation Resolved - Due Diligence Vendor-02/12/2026 |  |  | 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 |
| 857031 | xxxxxx | C A | Closed | xxxxxx | 2026-02-09 21:11 | 2026-02-12 01:42 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage is less than loan amount, provided updated title, changes made in system, Finding Resolved<br> - Due Diligence Vendor-02/12/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount The title coverage amount of xxxxxx is less than the loan amount of xxxxxx. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 | Resolved-Title Coverage is less than loan amount, provided updated title, changes made in system, Finding Resolved<br> - Due Diligence Vendor-02/12/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/12/2026 |  |  | Updated 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 |
| 857033 | 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 |  |  |  |
| 857040 | xxxxxx | C A | Closed | xxxxxx | 2026-01-21 05:47 | 2026-02-03 03:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Received post cd with 2.00 cure, resolved. - Due Diligence Vendor-02/03/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Required COC for final CD xxxxxx for $2.00 Doc Tax Stamps/Transfer Taxes –City/County. - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-02/02/2026 | Resolved-Received post cd with 2.00 cure, resolved. - Due Diligence Vendor-02/03/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/03/2026 |  |  | xxxxxx.pdf<br> xxxxxx - xxxxxx.pdf<br> LOX - xxxxxx.pdf<br> PCCD - xxxxxx.pdf<br> Check Request 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 | N/A | N/A | xxxxxx |
| 857041 | xxxxxx | C A | Closed | xxxxxx | 2026-02-10 11:54 | 2026-02-11 04:08 | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-Closing Disclosure for xxxxxx - Sold on or about xxxxxx to ex-spouse and updated Credit Supplement received. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Provide Closing Disclosure for xxxxxx - Sold on or about xxxxxx to ex-spouse. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026 | Resolved-Closing Disclosure for xxxxxx - Sold on or about xxxxxx to ex-spouse and updated Credit Supplement received. - Due Diligence Vendor-02/11/2026 |  |  | Credit supp and 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 |
| 857044 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-19 01:26 | 2026-01-28 09:20 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-01/28/2026 <br> Resolved-The loan's (7.927%) APR equals or exceeds the Federal HPML threshold of (7.77%). 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 (6.27%).(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# 546 and the Final Closing disclosure on Pg#372 reflects escrows. Rate lock date was entered correctly see Pg# 575 An interior and exterior appraisal was completed for this property – see Page#23 the appraisal disclosure was provided to the borrower(s)- see Pg# 673 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Resolved-The loan's (7.927%) APR equals or exceeds the Federal HPML threshold of (7.77%). 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 (6.27%).(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# 546 and the Final Closing disclosure on Pg#372 reflects escrows. Rate lock date was entered correctly see Pg# 575 An interior and exterior appraisal was completed for this property – see Page#23 the appraisal disclosure was provided to the borrower(s)- see Pg# 673 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-The loan's (7.927%) APR equals or exceeds the Federal HPML threshold of (7.77%). 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 (6.27%).(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# 546 and the Final Closing disclosure on Pg#372 reflects escrows. Rate lock date was entered correctly see Pg# 575 An interior and exterior appraisal was completed for this property – see Page#23 the appraisal disclosure was provided to the borrower(s)- see Pg# 673 and copy of the appraisal was given to the borrower is Missing. The loan does not meet HPML guidelines. Provide evidence of appraisal delivery to the borrower. - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026 | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-01/28/2026 <br> Resolved-The loan's (7.927%) APR equals or exceeds the Federal HPML threshold of (7.77%). 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 (6.27%).(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# 546 and the Final Closing disclosure on Pg#372 reflects escrows. Rate lock date was entered correctly see Pg# 575 An interior and exterior appraisal was completed for this property – see Page#23 the appraisal disclosure was provided to the borrower(s)- see Pg# 673 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines. - Due Diligence Vendor-01/28/2026 <br> Resolved-The loan's (7.927%) APR equals or exceeds the Federal HPML threshold of (7.77%). 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 (6.27%).(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# 546 and the Final Closing disclosure on Pg#372 reflects escrows. Rate lock date was entered correctly see Pg# 575 An interior and exterior appraisal was completed for this property – see Page#23 the appraisal disclosure was provided to the borrower(s)- see Pg# 673 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines. - Due Diligence Vendor-01/23/2026 |  |  | Appraisal Acknowledgement of Receipt & ROV (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 |
| 857044 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-19 01:26 | 2026-01-28 05:34 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Cured-PCCD received - Due Diligence Vendor-01/28/2026 <br> Resolved- - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the increase in Credit Report Fees from the Initial LE dated xxxxxx iao $50.00 to Revised LE dated xxxxxx iao $95. - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026 | Cured-PCCD received - Due Diligence Vendor-01/28/2026 <br> Resolved- - Due Diligence Vendor-01/28/2026 |  |  | Check - xxxxxx.pdf<br> xxxxxx - xxxxxx.pdf<br> LOX - xxxxxx.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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857049 | 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 |  |  |  |
| 857051 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 09:25 | 2026-01-26 14:34 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-xxxxxx CU provided. - Due Diligence Vendor-01/26/2026 <br> Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-01/26/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/26/2026 <br> Ready for Review-See appraisal condition. - Seller-01/23/2026 <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(SSR, CDA, AVM) is Missing in file - Due Diligence Vendor-01/17/2026 | Ready for Review-See appraisal condition. - Seller-01/23/2026 | Resolved-xxxxxx CU provided. - Due Diligence Vendor-01/26/2026 <br> Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-01/26/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/26/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857051 | xxxxxx | D A | Closed | xxxxxx | 2026-01-17 09:25 | 2026-01-26 14:33 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal provided. - Due Diligence Vendor-01/26/2026 <br> Resolved-Requested appraisal document provided, updated & condition resolved. - Due Diligence Vendor-01/26/2026 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-Appraisal is Missing Primary Valuation is missing from file. - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Resolved-Appraisal provided. - Due Diligence Vendor-01/26/2026 <br> Resolved-Requested appraisal document provided, updated & condition resolved. - Due Diligence Vendor-01/26/2026 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-01/26/2026 |  |  | Appraisal 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 |
| 857053 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 00:23 | 2026-01-21 04:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-01/21/2026 <br> Resolved-Requested gap credit report that is within the 10 business days from closing provided, updated & condition resolved. - Due Diligence Vendor-01/21/2026 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Gap credit page 9. - Seller-01/20/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Gap credit page 9. - Seller-01/20/2026 | Resolved-Received gap report. - Due Diligence Vendor-01/21/2026 <br> Resolved-Requested gap credit report that is within the 10 business days from closing provided, updated & condition resolved. - Due Diligence Vendor-01/21/2026 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/21/2026 |  |  | 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 |
| 857053 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 03:07 | 2026-03-25 05:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (9.304%) APR equals or exceeds the Federal HPML threshold of (7.77%). 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 (6.27%).(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 340____ and the Final Closing disclosure on Pg#'159 ____ reflects escrows. Rate lock date was entered correctly – see Pg#'s365 _____ An interior and exterior appraisal was completed for this property – see pg 70-76 ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s202, 285___ , and copy of the appraisal was given to the borrower – see Pg#'s440 _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (9.304%) APR equals or exceeds the Federal HPML threshold of (7.77%). 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 (6.27%).(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 340____ and the Final Closing disclosure on Pg#'159 ____ reflects escrows. Rate lock date was entered correctly – see Pg#'s365 _____ An interior and exterior appraisal was completed for this property – see pg 70-76 ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s202, 285___ , and copy of the appraisal was given to the borrower – see Pg#'s440 _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/13/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857054 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857056 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857057 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-16 07:04 | 2026-01-20 05:49 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Asset Worksheet received. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/19/2026 <br> Open-Provide Asset Worksheet - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026 | Resolved-Asset Worksheet received. - Due Diligence Vendor-01/20/2026 |  |  | xxxxxx Asset worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857057 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-15 21:55 | 2026-01-20 05:49 | 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-01/20/2026 <br> Ready for Review- - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/19/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/20/2026 | Personal Guaranty with Full Recourse <br> DSCR ratio of 1.29 exceeds the minimum requirement of 1 by 0.29 points.<br> 15.25 months reserves exceed the minimum required of 6 months exceeds the minimum by 9.25 months over the required minimum. | Personal Guaranty with Full Recourse <br> DSCR ratio of 1.29 exceeds the minimum requirement of 1 by 0.29 points.<br> 15.25 months reserves exceed the minimum required of 6 months exceeds the minimum by 9.25 months over the required minimum. | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 857059 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857066 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857070 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857072 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857073 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857290 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 10:07 | 2026-01-20 06:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Primary Note, DOT, QCD, Payment History and LOX received. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/19/2026 <br> Open-UW Notes page 446 reflects Primary VOM: Obligated by other property owners. Borrower owns but doesn't pay the mortgage. Provide Primary VOM - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026 | Resolved-Primary Note, DOT, QCD, Payment History and LOX received. - Due Diligence Vendor-01/20/2026 |  |  | UW Notes.pdf<br> Mortgage pmt docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857332 | 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 |  |  |  |
| 857559 | xxxxxx | C A | Closed | xxxxxx | 2026-01-22 14:16 | 2026-01-26 07:16 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved- - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-Loan does not conform to program guidelines Per guidelines on page 43 reflects a Short-Term Rental Analysis form is required and is missing in file - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 |  |  |  | xxxxxx Short Term 1007 STR F1 V2 Appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857559 | xxxxxx | C A | Closed | xxxxxx | 2026-01-20 23:22 | 2026-01-26 02:18 | Resolved | 1 - Information C A | Property | Property | Secondary Valuation not within Tolerance | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-We have only one page of Desk review report at page #296, remaining pages all are missing in file. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-01/26/2026 |  |  | xxxxxx_RDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857656 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 06:42 | 2026-02-03 07:06 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/03/2026 <br> Resolved-Closing statement reflecting xxxxxx Mtg paid off and 1st Payment statement for primary residence refinance provided. Payment history from credit 65 months verified. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. xxxxxx on credit report was paid off by xxxxxx. - Seller-02/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per 1003, Primary Residence has xxxxxx mortgage in p[lace. Mortgage history not reporting on Credit Report. Housing History missing from file. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. xxxxxx on credit report was paid off by xxxxxx. - Seller-02/02/2026 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/03/2026 <br> Resolved-Closing statement reflecting xxxxxx Mtg paid off and 1st Payment statement for primary residence refinance provided. Payment history from credit 65 months verified. - Due Diligence Vendor-02/03/2026 |  |  | CD- xxxxxx Payoff.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857656 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-21 11:56 | 2026-01-26 06:12 | 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-01/26/2026 <br> Ready for Review-Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/26/2026 | Personal Guaranty with Full Recourse<br> 0x30 mortgage history for 65 months.<br> Borrower contribution of 20% exceeds guideline requirement of 10% by 10% | Personal Guaranty with Full Recourse<br> 0x30 mortgage history for 65 months.<br> Borrower contribution of 20% exceeds guideline requirement of 10% by 10% | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857657 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 |  |  |  |
| 857659 | xxxxxx | C A | Closed | xxxxxx | 2026-01-19 23:41 | 2026-01-26 01:44 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated 1008 with updated fico provided which is matching with credit report, updated & condition resolved. - Due Diligence Vendor-01/26/2026 <br> Resolved-Validation Resolved - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-Qualifying FICO on the 1008 Page is '702' or blank, but the Qualifying FICO from the Credit Liabilities Page is '706' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Audited FICO 706 per CBR. Primary Borrower middle of 3 scores. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 | Resolved-Requested updated 1008 with updated fico provided which is matching with credit report, updated & condition resolved. - Due Diligence Vendor-01/26/2026 <br> Resolved-Validation Resolved - Due Diligence Vendor-01/26/2026 |  |  | 1008 - Transmittal Summary.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 |
| 857662 | xxxxxx | D A | Closed | xxxxxx | 2026-01-21 09:10 | 2026-01-21 13:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Closing Disclosure Missing closing disclosure (CD) dated xxxxxx with corresponding change of circumstance (COC), resolved. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosure (CD) dated xxxxxx with corresponding change of circumstance (COC) if applicable. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026 | Resolved-Received Closing Disclosure Missing closing disclosure (CD) dated xxxxxx with corresponding change of circumstance (COC), resolved. - Due Diligence Vendor-01/21/2026 |  |  | 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 |
| 857663 | xxxxxx | D A | Closed | xxxxxx | 2026-01-22 08:35 | 2026-03-25 05:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Closing disclosure (CD) dated xxxxxx and corresponding change of circumstance (COC) provided, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved-xxxxxx CD provided. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/23/2026 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosure (CD) dated xxxxxx and corresponding change of circumstance (COC) if applicable. - Due Diligence Vendor-01/22/2026 | Documents uploaded - 01/23/2026 <br>| Resolved-Closing disclosure (CD) dated xxxxxx and corresponding change of circumstance (COC) provided, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved-xxxxxx CD provided. - Due Diligence Vendor-01/23/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<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 |
| 857663 | xxxxxx | D A | Closed | xxxxxx | 2026-01-21 07:47 | 2026-01-23 10:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/23/2026 <br> Open-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/22/2026 <br> Resolved-The loan's (8.063%) APR equals or exceeds the Federal HPML threshold of (7.22%). 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 (5.72%).(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 477 and the Final Closing disclosure on page 217 reflects escrows. Rate lock date was entered correctly – see page 527. An interior and exterior appraisal was completed for this property – see page 14, the appraisal disclosure was provided to the borrower(s)- see page 584 and copy of the appraisal was given to the borrower – see page 562. The loan meets HPML guidelines. - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/21/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/23/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/22/2026 <br> Resolved-The loan's (8.063%) APR equals or exceeds the Federal HPML threshold of (7.22%). 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 (5.72%).(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 477 and the Final Closing disclosure on page 217 reflects escrows. Rate lock date was entered correctly – see page 527. An interior and exterior appraisal was completed for this property – see page 14, the appraisal disclosure was provided to the borrower(s)- see page 584 and copy of the appraisal was given to the borrower – see page 562. The loan meets HPML guidelines. - Due Diligence Vendor-01/21/2026 |  |  |  | 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 |
| 857665 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-16 22:27 | 2026-01-23 00:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/23/2026 <br> Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Missing Flood Insurance Policy Provide Flood Insurance Policy. - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026 | Resolved-Flood Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/23/2026 <br> Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-01/23/2026 |  |  | xxxxxx Flood Policy.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857665 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-20 12:59 | 2026-01-20 13:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 543 <br> Exception Reason: Min Borrower Contribution - Loan File 5% of sales price, GL Requirement 10% of sales price<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-01/20/2026 |  | Waived-Loan does not conform to program guidelines Exception page 543 <br> Exception Reason: Min Borrower Contribution - Loan File 5% of sales price, GL Requirement 10% of sales price<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-01/20/2026 | 42.98% DTI is below the maximum 50% DTI by 7.02%.<br> 773 Representative credit score exceeds the minimum required of 740 by 33 points<br> Borrower has $13,334.93 residual income after all expenses. Minimum required per guideline is $2,500. | 42.98% DTI is below the maximum 50% DTI by 7.02%.<br> 773 Representative credit score exceeds the minimum required of 740 by 33 points<br> Borrower has $13,334.93 residual income after all expenses. Minimum required per guideline is $2,500. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857667 | xxxxxx | A | Closed | xxxxxx | 2026-02-09 03:41 | 2026-03-25 05:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.915%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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 263 and the Final Closing disclosure on Pg#'s 84 reflects escrows. Rate lock date was entered correctly – see Pg#'s 292 An interior and exterior appraisal was completed for this property – see pg 19-45 , the appraisal disclosure was provided to the borrower(s)- see Pg# 72 , and copy of the appraisal was given to the borrower – see Pg#'s 436 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.915%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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 263 and the Final Closing disclosure on Pg#'s 84 reflects escrows. Rate lock date was entered correctly – see Pg#'s 292 An interior and exterior appraisal was completed for this property – see pg 19-45 , the appraisal disclosure was provided to the borrower(s)- see Pg# 72 , and copy of the appraisal was given to the borrower – see Pg#'s 436 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/09/2026 |  |  |  | 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 |
| 857668 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-09 23:13 | 2026-03-25 05:25 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Closing disclosure (CD) dated xxxxxx with the corresponding change of circumstance (COC) provided, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <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-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <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)). Points - loan discount fee of $375 added under final CD but we have no COC or lender credits for the same in file, we need COC for points fee. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026 | Resolved-Closing disclosure (CD) dated xxxxxx with the corresponding change of circumstance (COC) provided, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved- - Due Diligence Vendor-02/13/2026 |  |  | xxxxxx 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 |
| 857668 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-13 14:52 | 2026-02-13 15:29 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Received CD and COC. - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/13/2026 <br> Resolved- - Due Diligence Vendor-02/13/2026 <br> Open-You submitted a Last Closing Disclosure Received Date (xxxxxx) earlier than the Last Closing Disclosure Date Issued (xxxxxx). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) . - Due Diligence Vendor-02/13/2026 |  | Resolved-Received CD and COC. - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/13/2026 |  |  |  | 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 |
| 857668 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-11 11:33 | 2026-02-13 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received Asset worksheet. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open-Provide Asset Worksheet. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026 | Resolved-Received Asset worksheet. - Due Diligence Vendor-02/13/2026 |  |  | xxxxxx Asset worksheet.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 |
| 857670 | 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 |  |  |  |
| 857673 | 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 |  |  |  |
| 857676 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 07:52 | 2026-02-04 14:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received final lock confirmation, resolved. - Due Diligence Vendor-01/28/2026 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Open-Evidence of Rate Lock Missing Missing final lock confirmation. - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026 | Resolved-Received final lock confirmation, resolved. - Due Diligence Vendor-01/28/2026 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/28/2026 |  |  | 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 |
| 857676 | xxxxxx | D A | Closed | xxxxxx | 2026-01-26 23:24 | 2026-01-28 04:46 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Received, COC, resolved. - Due Diligence Vendor-01/28/2026 <br> Resolved- - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <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)). coc required for increase in points fee - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026 | Resolved-Received, COC, resolved. - Due Diligence Vendor-01/28/2026 |  |  | 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 |
| 857676 | xxxxxx | D A | Closed | xxxxxx | 2026-01-26 23:24 | 2026-01-28 04:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/28/2026 <br> Resolved-The loan's (7.871%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Resolved-The loan's (7.871%) APR equals or exceeds the Federal HPML threshold of (7.67%). 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 (6.17%).(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#311 doc and the Final Closing disclosure on Pg# 160 reflects escrows. Rate lock date was entered correctly see Pg# 325 An interior and exterior appraisal was completed for this property – see Page# 24 the appraisal disclosure was provided to the borrower(s)- see Pg# 386 , and copy of the appraisal was given to the borrower see Pg# 224 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-01/28/2026 <br> Resolved-The loan's (7.871%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/28/2026 <br> Resolved-The loan's (7.871%) APR equals or exceeds the Federal HPML threshold of (7.67%). 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 (6.17%).(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#311 doc and the Final Closing disclosure on Pg# 160 reflects escrows. Rate lock date was entered correctly see Pg# 325 An interior and exterior appraisal was completed for this property – see Page# 24 the appraisal disclosure was provided to the borrower(s)- see Pg# 386 , and copy of the appraisal was given to the borrower see Pg# 224 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-01/27/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857677 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 09:51 | 2026-01-28 04:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received Closing Disclosure Missing initial closing disclosure (CD) dated xxxxxx and corresponding change of circumstance (COC), resolved. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Open-TRID: Missing Closing Disclosure Missing initial closing disclosure (CD) dated xxxxxx and corresponding change of circumstance (COC) if applicable. - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026 | Resolved-Received Closing Disclosure Missing initial closing disclosure (CD) dated xxxxxx and corresponding change of circumstance (COC), resolved. - Due Diligence Vendor-01/28/2026 |  |  | xxxxxx CD.pdf<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 |
| 857677 | xxxxxx | D A | Closed | xxxxxx | 2026-01-26 03:50 | 2026-03-25 05:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-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 (8.661%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.75%). 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 (6.25%). (xxxxxx 09.03.06.02(B)(13); 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# 278 and the Final Closing disclosure on Pg# 121 reflects escrows. Rate lock date was entered correctly – see Pg# 316 An interior and exterior appraisal was completed for this property – see Pg# 29, the appraisal disclosure was provided to the borrower(s)- see Pg# 415-416 and copy of the appraisal was given to the borrower – see Pg# 142 for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Resolved-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 (8.67%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.75%). 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 (6.25%). (xxxxxx 09.03.06.02(B)(13); 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 278-279 and the Final Closing disclosure on Pg#'s 121-126 reflects escrows. Rate lock date was entered correctly – see Pg#'s 554-555 An interior and exterior appraisal was completed for this property – see pg 29-55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s_29-55, and copy of the appraisal was given to the borrower – see Pg#'s 142 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-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 (8.661%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.75%). 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 (6.25%). (xxxxxx 09.03.06.02(B)(13); 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# 278 and the Final Closing disclosure on Pg# 121 reflects escrows. Rate lock date was entered correctly – see Pg# 316 An interior and exterior appraisal was completed for this property – see Pg# 29, the appraisal disclosure was provided to the borrower(s)- see Pg# 415-416 and copy of the appraisal was given to the borrower – see Pg# 142 for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/28/2026 <br> Resolved-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 (8.67%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.75%). 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 (6.25%). (xxxxxx 09.03.06.02(B)(13); 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 278-279 and the Final Closing disclosure on Pg#'s 121-126 reflects escrows. Rate lock date was entered correctly – see Pg#'s 554-555 An interior and exterior appraisal was completed for this property – see pg 29-55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s_29-55, and copy of the appraisal was given to the borrower – see Pg#'s 142 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/26/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857677 | xxxxxx | D A | Closed | xxxxxx | 2026-01-26 03:50 | 2026-03-25 05:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (8.661%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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# 278 and the Final Closing disclosure on Pg# 121 reflects escrows. Rate lock date was entered correctly – see Pg# 316 An interior and exterior appraisal was completed for this property – see Pg# 29, the appraisal disclosure was provided to the borrower(s)- see Pg# 415-416 and copy of the appraisal was given to the borrower – see Pg# 142 for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Resolved-The loan's (8.67%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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 278-279 and the Final Closing disclosure on Pg#'s 121-126 reflects escrows. Rate lock date was entered correctly – see Pg#'s 554-555 An interior and exterior appraisal was completed for this property – see pg 29-55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s_29-55, and copy of the appraisal was given to the borrower – see Pg#'s 142 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (8.661%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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# 278 and the Final Closing disclosure on Pg# 121 reflects escrows. Rate lock date was entered correctly – see Pg# 316 An interior and exterior appraisal was completed for this property – see Pg# 29, the appraisal disclosure was provided to the borrower(s)- see Pg# 415-416 and copy of the appraisal was given to the borrower – see Pg# 142 for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/28/2026 <br> Resolved-The loan's (8.67%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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 278-279 and the Final Closing disclosure on Pg#'s 121-126 reflects escrows. Rate lock date was entered correctly – see Pg#'s 554-555 An interior and exterior appraisal was completed for this property – see pg 29-55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s_29-55, and copy of the appraisal was given to the borrower – see Pg#'s 142 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/26/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857681 | xxxxxx | A | Closed | xxxxxx | 2026-01-26 04:02 | 2026-03-25 05:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-01/27/2026 <br> Resolved-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 (9.115%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.75%). 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 (6.25%). (xxxxxx 09.03.06.02(B)(13); 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 270 and the Final Closing disclosure on Pg#'s 162 reflects escrows. Rate lock date was entered correctly – see Pg#'s 293 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 338 , and copy of the appraisal was given to the borrower – see Pg#'s 128 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-01/27/2026 <br> Resolved-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 (9.115%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.75%). 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 (6.25%). (xxxxxx 09.03.06.02(B)(13); 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 270 and the Final Closing disclosure on Pg#'s 162 reflects escrows. Rate lock date was entered correctly – see Pg#'s 293 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 338 , and copy of the appraisal was given to the borrower – see Pg#'s 128 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-01/26/2026 |  |  |  | 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 |
| 857681 | xxxxxx | A | Closed | xxxxxx | 2026-01-26 04:02 | 2026-03-25 05:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-01/27/2026 <br> Resolved-The loan's (9.115%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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 270 and the Final Closing disclosure on Pg#'s 162 reflects escrows. Rate lock date was entered correctly – see Pg#'s 293 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 338 , and copy of the appraisal was given to the borrower – see Pg#'s 128 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-01/27/2026 <br> Resolved-The loan's (9.115%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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 270 and the Final Closing disclosure on Pg#'s 162 reflects escrows. Rate lock date was entered correctly – see Pg#'s 293 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 338 , and copy of the appraisal was given to the borrower – see Pg#'s 128 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-01/26/2026 |  |  |  | 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 |
| 857682 | xxxxxx | A | Closed | xxxxxx | 2026-01-25 21:26 | 2026-03-25 05:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-01/27/2026 <br> Resolved-The loan's (8.302%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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 457 and the Final Closing disclosure on page 229 reflects escrows. Rate lock date was entered correctly – see page 504. An interior and exterior appraisal was completed for this property – see page 47, the appraisal disclosure was provided to the borrower(s)- see page 575 and copy of the appraisal was given to the borrower – see page 390, 391. The loan meets HPML guidelines. - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-01/27/2026 <br> Resolved-The loan's (8.302%) APR equals or exceeds the Federal HPML threshold of (7.75%). 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 (6.25%).(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 457 and the Final Closing disclosure on page 229 reflects escrows. Rate lock date was entered correctly – see page 504. An interior and exterior appraisal was completed for this property – see page 47, the appraisal disclosure was provided to the borrower(s)- see page 575 and copy of the appraisal was given to the borrower – see page 390, 391. The loan meets HPML guidelines. - Due Diligence Vendor-01/26/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857881 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857934 | xxxxxx | C A | Closed | xxxxxx | 2026-01-21 10:10 | 2026-01-22 07:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-01/22/2026 <br> Resolved-HUD 1 for sale of additional property verifying fund source for large deposit provided. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. This was refinance proceeds. - Seller-01/21/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements LOX and documentation verifying source of funds for large deposit $191.928_59 missing from file. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. This was refinance proceeds. - Seller-01/21/2026 | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-01/22/2026 <br> Resolved-HUD 1 for sale of additional property verifying fund source for large deposit provided. - Due Diligence Vendor-01/22/2026 |  |  | Final CD- Refinance Proceeds.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857992 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-06 03:51 | 2026-02-09 03:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/09/2026 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/06/2026 <br> Open-Missing Third Party Fraud Report Third party fraud report is missing in file. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026 | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/09/2026 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/09/2026 |  |  | DRIVEReport.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 |
| 858153 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-04 14:32 | 2026-03-25 05:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Document Uploaded. Housing event. Borrower has multiple 120 in the last 2 years. - Due Diligence Vendor-02/18/2026 <br> Open-Loan does not conform to program guidelines Exception noted on page 179. Exception document absent from the file. Housing event. Borrower has multiple 120 in the last 2 years - Due Diligence Vendor-02/04/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Document Uploaded. Housing event. Borrower has multiple 120 in the last 2 years. - Due Diligence Vendor-02/18/2026 | 38.18% LTV is below the maximum 75% LTV by 36.82%.<br> 37.18% DTI is below the maximum 50% DTI by 12.82%.<br> 716 Representative credit score exceeds the minimum required of 620 by 96 points | 38.18% LTV is below the maximum 75% LTV by 36.82%.<br> 37.18% DTI is below the maximum 50% DTI by 12.82%.<br> 716 Representative credit score exceeds the minimum required of 620 by 96 points | Exception.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 |
| 858153 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-04 00:38 | 2026-02-18 09:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Received clarification. - Due Diligence Vendor-02/18/2026 <br> Open-Fico score per credit report is 716, Fico per Approval is 702 are not matching - Due Diligence Vendor-02/04/2026 |  | Resolved-Received clarification. - Due Diligence Vendor-02/18/2026 |  |  |  | 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 |
| 858692 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858893 | 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 |  |  |  |
| 859239 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 10:57 | 2026-01-13 06:22 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTI in line with updated documentation. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-01/12/2026 <br> Counter-xxxxxx xxxxxx xxx listed on 1003, not listed on CBRs in file. causing a DTI discrepancy of 2.09% - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-01/07/2026 <br> Open-Client DTI includes xxxxxx 2x one marked as installment and one marked as other on the 1003. While we see 8 total liabilities from the credit reports, 1003 has 11. Please provide credit report used for the other liabilities. Client DTI os 30.92%, our calculations of 25.82% - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-01/12/2026 <br> Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-01/07/2026 | Resolved-DTI in line with updated documentation. - Due Diligence Vendor-01/13/2026 |  |  | xxxxxx 1003.1008.pdf<br> 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 |
| 859239 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 05:31 | 2026-01-07 01:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Rent Free letter uploaded for property "xxxxxx", Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. LOE - Seller-01/07/2026 <br> Open-Letter in file stated they lived with the mother. Fraud report confirms address was mothers residence. No letter from the mother/owner of xxxxxx stating they live rent free for 9 months. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. LOE - Seller-01/07/2026 | Resolved-Rent Free letter uploaded for property "xxxxxx", Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/07/2026 |  |  | xxxxxx LOE.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 |
| 859460 | xxxxxx | D A | Closed | xxxxxx | 2026-02-04 01:43 | 2026-03-25 05:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement, credit report page, and confirmation from the title company stating first lien was a fixed note provided, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved-Received documentation. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Uploading addtl information for condition. - Buyer-02/19/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br> Counter-We cannot tell the mortgage type from the mortgage statement, please provide senior note for clarification. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. xxxxxx accepted the mtg stmt - Buyer-02/10/2026 <br> Open-Senior lien/previous Note or Dot document are missing in file - Due Diligence Vendor-02/04/2026 |  | Resolved-Mortgage statement, credit report page, and confirmation from the title company stating first lien was a fixed note provided, resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved-Received documentation. - Due Diligence Vendor-02/19/2026 |  |  | MORTGAGE STATEMENT-169.pdf<br> xxxxxx conventional mtg 360 mos.pdf<br> email burden.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 |
| 859837 | xxxxxx | D A | Closed | xxxxxx | 2026-02-13 03:35 | 2026-02-20 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested properly imaged income calculation sheet provided, updated & condition resolved.<br> - Due Diligence Vendor-02/18/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Income worksheet for both borrowers business - Seller-02/17/2026 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided lender worksheet for xxxxxx business is not properly imaged (page #930) for both borrowers . Provide updated lender work sheet for xxxxxx business for both borrowers. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Income worksheet for both borrowers business - Seller-02/17/2026 | Resolved-Requested properly imaged income calculation sheet provided, updated & condition resolved.<br> - Due Diligence Vendor-02/18/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-02/18/2026 |  |  | Income Calculation Worksheet.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 |
| 859837 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 23:26 | 2026-02-18 03:34 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Requested asset 2 documentation provided, updated & condition resolved. - Due Diligence Vendor-02/18/2026 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Asset statement - Seller-02/17/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Asset 2 - Unable to verify the proof of other asset amount of $14614.12. Provide the proof of other asset amount of $14614.12 - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Asset statement - Seller-02/17/2026 | Resolved-Requested asset 2 documentation provided, updated & condition resolved. - Due Diligence Vendor-02/18/2026 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 |  |  | Investment Assets.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 |
| 859837 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 22:57 | 2026-02-17 02:16 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-xxxxxx SSR provided. Resolved - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-02/13/2026 <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 File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-02/13/2026 | Resolved-xxxxxx SSR provided. Resolved - Due Diligence Vendor-02/17/2026 |  |  | xxxxxx 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 |
| 860165 | 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 |  |  |  |
| 860166 | xxxxxx | A | Closed | xxxxxx | 2026-01-29 10:05 | 2026-03-25 06:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.861%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 267, and the Final Closing disclosure on Pg#'s 138k, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 302. An interior and exterior appraisal was completed for this property – see pg 35-42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 118. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/29/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.861%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 267, and the Final Closing disclosure on Pg#'s 138k, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 302. An interior and exterior appraisal was completed for this property – see pg 35-42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 118. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/29/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860170 | xxxxxx | B A | Closed | xxxxxx | 2026-02-17 01:08 | 2026-02-20 13:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page 426<br> Exception Reason: Min Subject Months Reserves - Loan File 2.73 months, GL Requirement Min 3 months. <br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/17/2026 |  | Waived-Exception page 426<br> Exception Reason: Min Subject Months Reserves - Loan File 2.73 months, GL Requirement Min 3 months. <br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/17/2026 | Residual Income _ Loan File $$6,269.97 residual income after all expenses. Minimum required per guideline is $1500 + $150 per dependent x1 = $1,650.<br> 33.46% DTI is below the maximum 50% DTI by 16.54%.<br> Borrower Contribution >5% above min- Loan FIle 20%, GL Requirement 5% of sales price<br>| Residual Income _ Loan File $$6,269.97 residual income after all expenses. Minimum required per guideline is $1500 + $150 per dependent x1 = $1,650.<br> 33.46% DTI is below the maximum 50% DTI by 16.54%.<br> Borrower Contribution >5% above min- Loan FIle 20%, GL Requirement 5% of sales price<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 |
| 860170 | xxxxxx | B A | Closed | xxxxxx | 2026-02-17 02:28 | 2026-03-25 05:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.969%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 380, and the Final Closing disclosure on Pg#'s 518, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg#44-54, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 504 and confirmation the appraisal was delivered to the borrower – see Pg#'s 583. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/17/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.969%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 380, and the Final Closing disclosure on Pg#'s 518, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg#44-54, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 504 and confirmation the appraisal was delivered to the borrower – see Pg#'s 583. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/17/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860172 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-11 11:36 | 2026-02-17 02:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received CD (Closing Disclosure), resolved. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Counter-Received CD (Closing Disclosure) for borrower 1 missing borrower 2 xxxxxx, countered. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosure (CD) dated xxxxxx with corresponding change of circumstance (COC) if applicable. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 | Resolved-Received CD (Closing Disclosure), resolved. - Due Diligence Vendor-02/17/2026 |  |  | xxxxxx CC.pdf<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 |
| 860172 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-11 11:35 | 2026-02-17 02:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received Loan Estimate (LE) for co borrower, resolved. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Counter-Received LE (Loan Estimate for xxxxxx missing xxxxxx. xxxxxx and xxxxxx, counter. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-See ITP condition. - Seller-02/12/2026 <br> Open-Missing initial Loan Estimates (LE) dated xxxxxx. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Ready for Review-See ITP condition. - Seller-02/12/2026 | Resolved-Received Loan Estimate (LE) for co borrower, resolved. - Due Diligence Vendor-02/17/2026 |  |  | 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 |
| 860172 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-09 23:16 | 2026-02-13 03:17 | Resolved | 1 - Information C A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Received list of service provider, resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved- - Due Diligence Vendor-02/13/2026 <br> Ready for Review-See ITP condition. - Seller-02/12/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open-The List of Settlement Service Providers Disclosure Date (xxxxxx) is more than 3 business days from the Application Date (xxxxxx). Three business days from the Application Date is (xxxxxx). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) initial 1003 is missing in the file hence considered initial date from credit report - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 | Ready for Review-See ITP condition. - Seller-02/12/2026 | Resolved-Received list of service provider, resolved. - Due Diligence Vendor-02/13/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860172 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-11 10:54 | 2026-02-13 02:28 | Resolved | 1 - Information C A | Credit | Credit | Missing initial application | Resolved-Received initial applications for both borrowers, resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-See ITP condition. - Seller-02/12/2026 <br> Open-Missing initial 1003. - Due Diligence Vendor-02/11/2026 | Ready for Review-See ITP condition. - Seller-02/12/2026 | Resolved-Received initial applications for both borrowers, resolved. - Due Diligence Vendor-02/13/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860172 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-09 23:49 | 2026-02-13 02:26 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure, resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-See ITP condition. - Seller-02/12/2026 <br> Open-Missing Homeownership Counseling Disclosure for borrower 1 and 2. - Due Diligence Vendor-02/10/2026 | Ready for Review-See ITP condition. - Seller-02/12/2026 | Resolved-Received Homeownership Counseling Disclosure, resolved. - Due Diligence Vendor-02/13/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860172 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-09 23:50 | 2026-02-13 02:26 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received intent to proceed, resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing intent to proceed for borrower 1. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 | Resolved-Received intent to proceed, resolved. - Due Diligence Vendor-02/13/2026 |  |  | 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 |
| 860177 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860180 | xxxxxx | C A | Closed | xxxxxx | 2026-02-07 09:14 | 2026-02-10 06:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Updated the "filing fee" to a freeform fee line item "Title- Filing Fee" - Due Diligence Vendor-02/10/2026 <br> Resolved- - Due Diligence Vendor-02/10/2026 <br> Resolved- - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. The borrower shopped for title services, so the 10% cumulative tolerance limits are removed. - Seller-02/09/2026 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($235.00) has increased by more than 10% over the current baseline value of ($120.00). The total amount of fees in the 10% category cannot exceed ($132.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Filing Fees). 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)). Provide COC for the Filings Fee added to the xxxxxx Revised LE iao $115. - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/07/2026 | Ready for Review-Document Uploaded. The borrower shopped for title services, so the 10% cumulative tolerance limits are removed. - Seller-02/09/2026 | Resolved-Updated the "filing fee" to a freeform fee line item "Title- Filing Fee" - Due Diligence Vendor-02/10/2026 <br> Resolved- - Due Diligence Vendor-02/10/2026 |  |  | 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 |
| 860182 | xxxxxx | B A | Closed | xxxxxx | 2026-02-11 12:23 | 2026-02-11 12:23 | Waived | 2 - Non-Material B | Credit | Credit | Deficient self-employment income documentation. | Waived-Exception page 440<br> Exception Reason: OTHER- 1 day extension to income documents expiration date from xxxxxx to xxxxxx<br> Client elects to waive with the following compensating factors<br>- Due Diligence Vendor-02/11/2026 |  | Waived-Exception page 440<br> Exception Reason: OTHER- 1 day extension to income documents expiration date from xxxxxx to xxxxxx<br> Client elects to waive with the following compensating factors<br>- Due Diligence Vendor-02/11/2026 | DTI is 18.67%. Maximum allowed per guidelines is 50%.<br> Borrower(s) have 38.16 months Reserves. Minimum required per guidelines is 3 months.<br> Residual Income is $$20,543.85. Minimum Residual Income required per guidelines is $1500 + $150 per dependent x1= $1650 | DTI is 18.67%. Maximum allowed per guidelines is 50%.<br> Borrower(s) have 38.16 months Reserves. Minimum required per guidelines is 3 months.<br> Residual Income is $$20,543.85. Minimum Residual Income required per guidelines is $1500 + $150 per dependent x1= $1650 |  | 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 |
| 860182 | xxxxxx | B A | Closed | xxxxxx | 2026-02-10 08:33 | 2026-03-25 05:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.734%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 393 and the Final Closing disclosure on page 226 reflects escrows. Rate lock date was entered correctly – see page 442. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 489-490 and copy of the appraisal was given to the borrower – see page 451, 453, 454. The loan meets HPML guidelines - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.734%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 393 and the Final Closing disclosure on page 226 reflects escrows. Rate lock date was entered correctly – see page 442. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 489-490 and copy of the appraisal was given to the borrower – see page 451, 453, 454. The loan meets HPML guidelines - Due Diligence Vendor-02/10/2026 |  |  |  | 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 |
| 860199 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-29 01:04 | 2026-03-25 05:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Revised Closing Disclosure dated xxxxxx and related COC received. - Due Diligence Vendor-03/25/2026 <br> Resolved- - Due Diligence Vendor-02/04/2026 <br> Resolved- - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 <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)). Provide COC for Points - Loan Discount Fee iao $5040.94 (1.415%) - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026 | Resolved-Revised Closing Disclosure dated xxxxxx and related COC received. - Due Diligence Vendor-03/25/2026 <br> Resolved- - Due Diligence Vendor-02/04/2026 |  |  | 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 |
| 860199 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-02 07:02 | 2026-03-25 05:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised Closing Disclosure dated xxxxxx and related COC received. - Due Diligence Vendor-03/25/2026 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/05/2026 <br> Resolved-Revised Closing Disclosure dated xxxxxx and related COC received. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised Closing Disclosure dated xxxxxx and related COC - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026 | Resolved-Revised Closing Disclosure dated xxxxxx and related COC received. - Due Diligence Vendor-03/25/2026 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/05/2026 <br> Resolved-Revised Closing Disclosure dated xxxxxx and related COC received. - Due Diligence Vendor-02/04/2026 |  |  | 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 |
| 860199 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-04 05:28 | 2026-02-05 03:40 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Updated receipt date to xxxxxx - Due Diligence Vendor-02/05/2026 <br> Resolved- - Due Diligence Vendor-02/05/2026 <br> Rescinded- - Due Diligence Vendor-02/05/2026 <br> Rescinded- - Due Diligence Vendor-02/04/2026 <br> Resolved- - Due Diligence Vendor-02/04/2026 <br> Open-You submitted a Prior Closing Disclosure Received Date (xxxxxx) earlier than the Prior Closing Disclosure Date Issued (xxxxxx). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) . - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-Updated receipt date to xxxxxx - Due Diligence Vendor-02/05/2026 <br> Rescinded- - Due Diligence Vendor-02/04/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860199 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-02 06:16 | 2026-02-05 03:24 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Bank statement from 12/2024 to 01/2025 for acct ending - xxxxxx received. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Counter-Received bank statement from 12/2025 to 1/2026. Provide bank statement from 12/2024 to 01/2025 for acct ending - xxxxxx as reflected on the lender income calculator. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 <br> Open-Provide bank statement from 12/2024 to 01/2025 for acct ending - xxxxxx. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 | Resolved-Bank statement from 12/2024 to 01/2025 for acct ending - xxxxxx received. - Due Diligence Vendor-02/05/2026 |  |  | xxxxxx xxxxxx 1_6_26 EMD Cleared.pdf<br> xxxxxx xxxxxx 1_7_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 |
| 860199 | xxxxxx | D A C | Closed | xxxxxx | 2026-02-02 06:36 | 2026-02-04 05:22 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Email from agent attached confirming 100% replacement cost. - Seller-02/03/2026 <br> Open-Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx and Guaranteed Replacement Coverage indicator is 'No' Provide HOI with xxxxxx in dwelling coverage or RCE - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. Email from agent attached confirming 100% replacement cost. - Seller-02/03/2026 | 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-02/04/2026 |  |  | LOX Agent Email 100% replacement cost.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 |
| 860199 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-29 01:04 | 2026-02-05 03:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Resolved-The loan's (7.805%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 327 and the Final Closing disclosure on page 194 reflects escrows. Rate lock date was entered correctly – see page 356. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 418 and copy of the appraisal was given to the borrower – see page 387. The loan meets HPML guidelines. - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/29/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/04/2026 <br> Resolved-The loan's (7.805%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 327 and the Final Closing disclosure on page 194 reflects escrows. Rate lock date was entered correctly – see page 356. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 418 and copy of the appraisal was given to the borrower – see page 387. The loan meets HPML guidelines. - Due Diligence Vendor-01/29/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860203 | xxxxxx | D A | Closed | xxxxxx | 2026-02-10 10:27 | 2026-02-11 04:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Tax Preparer Attestation received - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Provide Tax Preparer Attestation - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026 | Resolved-Tax Preparer Attestation received - Due Diligence Vendor-02/11/2026 |  |  | Signed Tax Attestation.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 |
| 860203 | xxxxxx | D A | Closed | xxxxxx | 2026-02-08 23:03 | 2026-03-25 05:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.861%) equals or exceeds the xxxxxx HPML threshold of (7.56%). 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 (6.06%).(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 495 and the Final Closing disclosure on Pg#'s 225 reflects escrows. Rate lock date was entered correctly – see Pg#'s 536 An interior and exterior appraisal was completed for this property – see pg 71 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 617 and copy of the appraisal was given to the borrower – see Pg#'s 289 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.861%) equals or exceeds the xxxxxx HPML threshold of (7.56%). 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 (6.06%).(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 495 and the Final Closing disclosure on Pg#'s 225 reflects escrows. Rate lock date was entered correctly – see Pg#'s 536 An interior and exterior appraisal was completed for this property – see pg 71 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 617 and copy of the appraisal was given to the borrower – see Pg#'s 289 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/09/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860203 | xxxxxx | D A | Closed | xxxxxx | 2026-02-08 23:03 | 2026-03-25 05:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.861%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 495 and the Final Closing disclosure on Pg#'s 225 reflects escrows. Rate lock date was entered correctly – see Pg#'s 536 An interior and exterior appraisal was completed for this property – see pg 71 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 617 and copy of the appraisal was given to the borrower – see Pg#'s 289 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/25/2026 <br> Resolved-The loan's (7.861%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 495 and the Final Closing disclosure on Pg#'s 225 reflects escrows. Rate lock date was entered correctly – see Pg#'s 536 An interior and exterior appraisal was completed for this property – see pg 71 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 617 and copy of the appraisal was given to the borrower – see Pg#'s 289 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/09/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860204 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-19 02:04 | 2026-02-24 03:52 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Credit report shows 7 months & Provided bank statement shows 5 months of rent payments. Housing History Meets Guideline Requirements. - Due Diligence Vendor-02/24/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing credit report have 5 months of rental payments via bank statements and lease agreement. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026 | Resolved-Credit report shows 7 months & Provided bank statement shows 5 months of rent payments. Housing History Meets Guideline Requirements. - Due Diligence Vendor-02/24/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/24/2026 |  |  | UW Notes.pdf<br> Credit Report.pdf<br> Credit docs.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 |
| 860204 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-19 03:14 | 2026-02-24 03:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report provided. - Due Diligence Vendor-02/24/2026 <br> Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Open-Borrower 1 Credit Report is Missing. borrower staying in xxxxxx , Credit report is missing in the file . provide Credit report - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026 | Resolved-Borrower 1 Credit Report provided. - Due Diligence Vendor-02/24/2026 <br> Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/24/2026 |  |  | Credit Report.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 |
| 860204 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-20 13:09 | 2026-02-24 03:41 | Waived | 2 - Non-Material 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-02/24/2026 <br> Waived-Audited Reserves of 4.2 month(s) are less than Guideline Required Reserves of 6 month(s) .Client elects to waive with the following compensating factors:<br> - Due Diligence Vendor-02/20/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/24/2026 <br> Waived-Audited Reserves of 4.2 month(s) are less than Guideline Required Reserves of 6 month(s) .Client elects to waive with the following compensating factors:<br> - Due Diligence Vendor-02/20/2026 | Exception approval page 291<br> Guideline DTI 50, Qualifying Total Debt Income Ratio 28.17<br> Guideline Min FICO 700, Qualifying FICO 795<br> Guideline minimum residual income $1,950,Qualifying residual income 6,259.70 | Exception approval page 291<br> Guideline DTI 50, Qualifying Total Debt Income Ratio 28.17<br> Guideline Min FICO 700, Qualifying FICO 795<br> Guideline minimum residual income $1,950,Qualifying residual income 6,259.70 |  | 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 |
| 860204 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-19 02:52 | 2026-02-24 03:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan . - Due Diligence Vendor-02/24/2026 <br> Resolved-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 (7.669%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.6%). 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 (6.1%). (xxxxxx 09.03.06.02(B)(13); 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# 233 and the Final Closing disclosure on Pg#118 reflects escrows. Rate lock date was entered correctly see Pg#276 An interior and exterior appraisal was completed for this property – see Page# 21 the appraisal disclosure was provided to the borrower(s)- see Pg# 324, and copy of the appraisal was given to the borrower see Pg#103 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-02/24/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan . - Due Diligence Vendor-02/24/2026 <br> Resolved-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 (7.669%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.6%). 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 (6.1%). (xxxxxx 09.03.06.02(B)(13); 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# 233 and the Final Closing disclosure on Pg#118 reflects escrows. Rate lock date was entered correctly see Pg#276 An interior and exterior appraisal was completed for this property – see Page# 21 the appraisal disclosure was provided to the borrower(s)- see Pg# 324, and copy of the appraisal was given to the borrower see Pg#103 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-02/19/2026 |  |  |  | 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 |
| 860204 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-19 02:52 | 2026-02-24 03:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/24/2026 <br> Resolved-The loan's (7.669%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(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# 233 and the Final Closing disclosure on Pg#118 reflects escrows. Rate lock date was entered correctly see Pg#276 An interior and exterior appraisal was completed for this property – see Page# 21 the appraisal disclosure was provided to the borrower(s)- see Pg# 324, and copy of the appraisal was given to the borrower see Pg#103 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-02/24/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/24/2026 <br> Resolved-The loan's (7.669%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(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# 233 and the Final Closing disclosure on Pg#118 reflects escrows. Rate lock date was entered correctly see Pg#276 An interior and exterior appraisal was completed for this property – see Page# 21 the appraisal disclosure was provided to the borrower(s)- see Pg# 324, and copy of the appraisal was given to the borrower see Pg#103 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-02/19/2026 |  |  |  | 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 |
| 860209 | xxxxxx | B A | Closed | xxxxxx | 2026-02-05 07:04 | 2026-03-25 05:38 | Waived | 2 - Non-Material 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-03/25/2026 <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/11/2026 <br> Waived-Exception page 560<br> Exception Reason: Min Reserves- Loan File 2.92 months, GL Requirement 3 months - Due Diligence Vendor-02/11/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/11/2026 <br> Waived-Exception page 560<br> Exception Reason: Min Reserves- Loan File 2.92 months, GL Requirement 3 months - Due Diligence Vendor-02/11/2026 | 726 Representative credit score exceeds the minimum required credit score of 700 by 26 Points. <br> Borrower has $10,384.98 residual income after all expenses, guidelines minimum residual income is $1,500.<br> 34.39% DTI is below the maximum 50% DTI by 15.61%. | 726 Representative credit score exceeds the minimum required credit score of 700 by 26 Points. <br> Borrower has $10,384.98 residual income after all expenses, guidelines minimum residual income is $1,500.<br> 34.39% DTI is below the maximum 50% DTI by 15.61%. |  | 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 |
| 860209 | xxxxxx | B A | Closed | xxxxxx | 2026-02-05 07:01 | 2026-02-10 03:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/10/2026 <br> Resolved-The loan's (8.782%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 517, 518 and the Final Closing disclosure on Pg#'s 262, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 546. An interior and exterior appraisal was completed for this property – see pg# 33, 49, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 587, and confirmation the appraisal was delivered to the borrower – see Pg#'s 359. The loan meets HPML guidelines.<br> - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/10/2026 <br> Resolved-The loan's (8.782%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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 517, 518 and the Final Closing disclosure on Pg#'s 262, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 546. An interior and exterior appraisal was completed for this property – see pg# 33, 49, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 587, and confirmation the appraisal was delivered to the borrower – see Pg#'s 359. The loan meets HPML guidelines.<br> - Due Diligence Vendor-02/05/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860222 | xxxxxx | D A | Closed | xxxxxx | 2026-02-11 00:37 | 2026-02-12 00:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home loan Toolkit is missing in file, Provided the same , changes made in system, Finding Resolved - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Open-Provide Home Loan Toolkit - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 | Resolved-Home loan Toolkit is missing in file, Provided the same , changes made in system, Finding Resolved - Due Diligence Vendor-02/12/2026 |  |  | HLT Acknowledgement.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 |
| 860222 | xxxxxx | D A | Closed | xxxxxx | 2026-02-11 08:48 | 2026-02-11 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Asset Worksheet received - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Open-Provide Asset Worksheet - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 | Resolved-Asset Worksheet received - Due Diligence Vendor-02/11/2026 |  |  | xxxxxx Asset 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 |
| 860222 | xxxxxx | D A | Closed | xxxxxx | 2026-02-11 00:18 | 2026-02-12 03:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/12/2026 <br> Resolved-The loan's (9.162%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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# 395 and the Final Closing disclosure on Pg# 68 reflects escrows. Rate lock date was entered correctly see Pg# 424 An interior and exterior appraisal was completed for this property – see Page# 16 the appraisal disclosure was provided to the borrower(s)- see Pg# 455, and copy of the appraisal was given to the borrower see Pg#51 and 302 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/12/2026 <br> Resolved-The loan's (9.162%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(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# 395 and the Final Closing disclosure on Pg# 68 reflects escrows. Rate lock date was entered correctly see Pg# 424 An interior and exterior appraisal was completed for this property – see Page# 16 the appraisal disclosure was provided to the borrower(s)- see Pg# 455, and copy of the appraisal was given to the borrower see Pg#51 and 302 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-02/11/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860222 | xxxxxx | D A | Closed | xxxxxx | 2026-02-11 00:18 | 2026-02-11 09:00 | Resolved | 1 - Information A | Compliance | HigherRisk:APR | xxxxxx - Nonprime Home Loan (First Lien) (xxxxxx) | Resolved-This is a xxxxxx Home Loan. The loan's (9.162%) APR equals or exceeds the xxxxxx Home Loan threshold of (7.56%). The difference is (1.602). 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 (6.06%). (xxxxxx. Gen. Stat. 36a-760(a)(7)) 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# 395 and the Final Closing disclosure on Pg# 68 reflects escrows. Rate lock date was entered correctly see Pg# 424 An interior and exterior appraisal was completed for this property – see Page# 16 the appraisal disclosure was provided to the borrower(s)- see Pg# 455, and copy of the appraisal was given to the borrower see Pg#51 and 302 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Resolved-This is a xxxxxx Nonprime Home Loan. The loan's (9.162%) APR equals or exceeds the xxxxxx Nonprime Home Loan threshold of (7.56%). The difference is (1.602). 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 (6.06%). (xxxxxx. Gen. Stat. 36a-760(a)(7)) 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# 395 and the Final Closing disclosure on Pg# 68 reflects escrows. Rate lock date was entered correctly see Pg# 424 An interior and exterior appraisal was completed for this property – see Page# 16 the appraisal disclosure was provided to the borrower(s)- see Pg# 455, and copy of the appraisal was given to the borrower see Pg#51 and 302 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-02/11/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |

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## Exhibit 99.26

**EXHIBIT 99.26**

**selene rating agency grades report**

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody** | **Initial Compliance Loan Grades Moody** | **Initial Property Loan Grades Moody** | **Initial Overall Loan Grades Moody** | **Final Credit Loan Grades Moody** | **Final Compliance Loan Grades Moody** | **Final Property Loan Grades Moody** | **Final Overall Loan Grades Moody** |
| 832104 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 850606 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 852103 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 853680 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854810 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 854178 | xxxxxx |  | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 854591 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 854223 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 853804 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854067 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856278 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 852365 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 855417 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 854806 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 853316 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856274 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856276 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 857054 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856284 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856273 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 856297 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 855105 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 854803 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 859239 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857024 | xxxxxx |  | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 857073 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857070 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856272 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 854127 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 854654 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 854648 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857059 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856275 | xxxxxx |  | xxxxxx B | B A | A D | D | D B | B A | A | A B | B |
| 857072 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856291 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 857057 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 856733 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 857066 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856353 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 854874 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 854069 | xxxxxx |  | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 854081 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 857332 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857290 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856288 | xxxxxx |  | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 852903 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856892 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857033 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857053 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856295 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857056 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 855767 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857665 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 857656 | xxxxxx |  | xxxxxx C | C B | B A | A C | C B | B A | A | A B | B |
| 857659 | xxxxxx |  | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 857663 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 857051 | xxxxxx |  | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 857670 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856258 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857673 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857028 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857662 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 857049 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857044 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 857934 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857559 | xxxxxx |  | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 856963 | xxxxxx |  | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 857040 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 857676 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 856267 | xxxxxx |  | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 857881 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857682 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857681 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 857677 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 854909 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 856266 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 857657 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 858692 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 860199 | xxxxxx |  | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 857041 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860166 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 858153 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 859460 | xxxxxx |  | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 860180 | xxxxxx |  | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 860172 | xxxxxx |  | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 860203 | xxxxxx |  | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860209 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 857992 | xxxxxx |  | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 860165 | xxxxxx |  | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857031 | xxxxxx |  | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 857668 | xxxxxx |  | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 857667 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 860182 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 860222 | xxxxxx |  | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 860177 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |
| 859837 | xxxxxx |  | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 856256 | xxxxxx |  | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 860170 | xxxxxx |  | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 860204 | xxxxxx |  | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 858893 | xxxxxx |  | xxxxxx A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**selene data compare report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 832104 | xxxxxx |  | xxxxxx | Application Date | xxxxxx | xxxxxx | xxxxxx | Updated as per initial 1003. |
| 832104 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | xxxxxx | 35.68 | 35.86 | DTI variance is due to Other Monthly Payment iao $7.50 |
| 832104 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 36.95 | 37.13 | HTI variance is due Other Monthly Payment iao $7.50 |
| 850606 | xxxxxx |  | xxxxxx | Loan Type | xxxxxx | DSCR | Conventional | Loan Type is DSCR. per approval certificate. |
| 852903 | xxxxxx |  | xxxxxx | All Borrower Total Income | xxxxxx | 15903.24 | 0.00 | All Borrower Total Income updated from final 1003. |
| 852903 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx | xxxxxx | Note Date confirmed from note document. |
| 852903 | xxxxxx |  | xxxxxx | Borrower 1 Income Verification Level | xxxxxx | 3 - Stated, Partially Verified | 15903.24 | System values. |
| 852903 | xxxxxx |  | xxxxxx | Borrower 1 Executed 4506T Verified | xxxxxx | NA | 45986 | System values. |
| 852903 | xxxxxx |  | xxxxxx | Number of Mortgaged Properties | xxxxxx | 3 | 1 | Number of Mortgaged Properties updated per credit report. |
| 852903 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | xxxxxx | 235419.92 | 0.00 | Liquid Funds Post-Close considered from cash out reserves. |
| 852903 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | xxxxxx | 4184.41 | 26.31 | Reviewed Total Monthly Liabilities updated per credit report. |
| 853680 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 26.12 | 31.07 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 26.12% but Originator DTI is 31.07%.Variance is 4.95 due to the difference in all other monthly payment our calculated all other monthly payment is $19374.89 (Tradelines $5865 + REO net rental $8946.64 + Subject PITIA $4563.25) whereas as per 1008 page 947 underwriter has considered the total of $23055.43. |
| 853804 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx | xxxxxx | Note date updated as per Note document. |
| 853804 | xxxxxx |  | xxxxxx | Verified Doc Type | xxxxxx | Debt Service Coverage Ratio | ALT DOC | Doc type selected based on loan approval document. |
| 853804 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | xxxxxx | 2233.94 | 1556.94 | True data has considered PITIA amount however Tape data didn't considered HOA amount due to which there is difference. |
| 853804 | xxxxxx |  | xxxxxx | Calculated DSCR | xxxxxx | 1.097 | 1.05 | The difference is 0.047. its because of the rent amount As per lender calculated worksheet its reflecting as $2405 however as per third party mkt rent its 245. Rent amount considered from 1007. |
| 854127 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Two to Four Unit | Single Family Detached | Property type is two unit property per the appraisal. |
| 854178 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Two to Four Unit | Single Family Detached | Property Type Two to Four Unit verified from Appraisal report. Subject property is a 3 unit. |
| 854178 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | xxxxxx | 11-04-2025 | 09/29/2025 | Verified rate lock date of 11/19/2025. Using 11/04/2025 guidelines. |
| 854178 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 0 | 28.35 | DSCR ;loan DTI not required. |
| 854223 | xxxxxx |  | xxxxxx | Verified Doc Type | xxxxxx | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statemnts are used for income calculation and hence doc type updated the same. |
| 854654 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Two to Four Unit | Single Family Detached | Property type is a two unit property as per the appraisal. |
| 854806 | xxxxxx |  | xxxxxx | Calculated DSCR | xxxxxx | 1.075 | 1.044 | Market Rent $2800/ PITIA $2603.79 =1.075 DSCR. |
| 854810 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | xxxxxx | 11-04-2025 | 09/29/2025 | Underwriting guideline version selected from drop down |
| 854909 | xxxxxx |  | xxxxxx | Mortgage Origination Channel | xxxxxx | Wholesale | Broker | Mortgage Origination is Broker Channel considered as Wholesale. |
| 854909 | xxxxxx |  | xxxxxx | All Borrower Total Income | xxxxxx | 33848.37 | 0.00 | Comment<br> All Borrower Total Income Updated as income Document and 1003& 1008. |
| 854909 | xxxxxx |  | xxxxxx | Borrower 1 Other Income | xxxxxx | 1 | 0.00 | Borrower 1 Other Income is Assets utilization income Hence Updated as same. |
| 854909 | xxxxxx |  | xxxxxx | Number of Borrowers | xxxxxx | 2 | 1 | Loan qualifying with 2 borrower hence updated as same. |
| 854909 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx | xxxxxx | Note Date is updated as per Note Document. |
| 854909 | xxxxxx |  | xxxxxx | Verified Doc Type | xxxxxx | 1YR Full Doc | Full | Borrower is Qualifying with Wage income Hence Updated as full doc. |
| 854909 | xxxxxx |  | xxxxxx | Borrower 1 Executed 4506T Verified | xxxxxx | 2 YRS | 45993 | Borrower 1 Executed 4506T Verified There is no 4506T information in provided Document. |
| 854909 | xxxxxx |  | xxxxxx | Number of Mortgaged Properties | xxxxxx | 2 | 1 | Number of Mortgaged Properties updated as per Credit Report. |
| 854909 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | xxxxxx | 504544.37 | 2345705.62 | Liquid Funds Post-Close Updated as per Final CD Cash To Close is To Borrower. |
| 854909 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 47.51 | 49.76 | MAX DTI is 43 as per Matrix added finding for the same. |
| 854909 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | xxxxxx | 16082.82 | 49.76 | Reviewed Total Monthly Liabilities updated as per Credit Report. |
| 855105 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Two to Four Unit | Single Family Detached | Property type is Two to Four Unit. |
| 855767 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | xxxxxx | No | Yes | updated as per Paystubs, W2, Borrowers are wage earners and don't have any ownership |
| 855767 | xxxxxx |  | xxxxxx | Qualifying FICO | xxxxxx | 756 | 742 | Per guidelines 11.14.2025, page#36 The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. As B2 income is higher, B2 score should be used for qualification. However, there will be no change in LTV limits due to this FICO difference |
| 855767 | xxxxxx |  | xxxxxx | Interest Rate | xxxxxx | 7.625 | 762.5000 | True data is correct, verified from Note doc. |
| 855767 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 856272 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Two to Four Unit | Single Family Detached | As per appraisal, property is a 4 unit property. |
| 856272 | xxxxxx |  | xxxxxx | Calculated DSCR | xxxxxx | 1.3 | 1.368 | The calculation validating the correct DSCR is as follows: Unit 1 - Est $650+ Unit 2 Actual $950, Unit 3 Est $950, Unit 4 Est $550 =$3,100 / PITIA of $2,383.86= 1.30 DSCR, Updated DSCR Worksheet in Findings with 1.30 DSCR |
| 856275 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Two to Four Unit | Attached | Property Type is 2-4 Units as per Appraisal. |
| 856278 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Townhouse | PUD | Property is in PUD and attached. Updated property type ias townhouse. |
| 856284 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Townhouse | PUD | Property type is townhouse confirmed. |
| 856295 | xxxxxx |  | xxxxxx | Qualifying CLTV | xxxxxx | 46.24 | 51.81 | Discrepancy in appraisal value from Appraisal to tape data |
| 856295 | xxxxxx |  | xxxxxx | Final Qualifying Property Value | xxxxxx | xxxxxx | xxxxxx | Confirmed from Appraisal |
| 856353 | xxxxxx | xxxxxx | xxxxxx | Underwriting Guideline Version Date | xxxxxx | 07-01-2025 | 09/15/2025 | Underwriting Guideline Version Date is updated as per LM Recent Drop Down . |
| 856353 | xxxxxx | xxxxxx | xxxxxx | Underwriting Guideline Name | xxxxxx | xxxxxx | 09/15/2025 | Underwriting Guideline Name is updated as per LM Drop down xxxxxx - NQM Bank Statements (Because borrower is qualifying with Assets Utilization income & SSI Highest income is Assets utilization income we don't have alt doc drop hence updated as xxxxxx Bank Statements and used GL matrix same.) |
| 856892 | xxxxxx |  | xxxxxx | Loan Program | xxxxxx | A+ | Non Agency NQM | Loan program selected from drop down, tape and true data values matches. |
| 856892 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | PUD | Single Family Detached | True data is correct, property is a PUD per appraisal. |
| 856892 | xxxxxx |  | xxxxxx | Verified Doc Type | xxxxxx | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for qualification and hence doc type updated the same. |
| 856892 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | xxxxxx | 6004.24 | 5895.91 | True data is correct, tape data was not included HOA amount whereas true data contains PITIA. |
| 856892 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 47.96 | 47.41 | Audited DTI is 47.96 and lender DTI is 47.41. the difference is 0.55 which is within the tolerance. |
| 856963 | xxxxxx |  | xxxxxx | Borrower 2 Other Income | xxxxxx | 1 | 0.00 | Borrower 2 Other Income Considered from Paystubs |
| 856963 | xxxxxx |  | xxxxxx | Mortgage Origination Channel | xxxxxx | Wholesale | Broker | Mortgage Origination Channel Whole sale. |
| 856963 | xxxxxx |  | xxxxxx | All Borrower Total Income | xxxxxx | 16713.23 | 0.00 | All Borrower Total Income Considered from Income documents. |
| 856963 | xxxxxx |  | xxxxxx | Number of Borrowers | xxxxxx | 2 | 1 | Number of Borrowers 2 confirmed. |
| 856963 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx | xxxxxx | Note Date Considered from final note. |
| 856963 | xxxxxx |  | xxxxxx | Borrower 2 Income from Employment Total | xxxxxx | 6423.22 | 4782.97 | Borrower 2 Income from Employment Total Considered Income documents. |
| 856963 | xxxxxx |  | xxxxxx | Borrower 1 Executed 4506T Verified | xxxxxx | 2 YRS | 45985 | Borrower 1 Executed 4506T Verified Yes. |
| 856963 | xxxxxx |  | xxxxxx | Borrower 1 Income Verification Level | xxxxxx | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns | 6895.13 | Borrower 1 Income Verification Level confirmed. |
| 856963 | xxxxxx |  | xxxxxx | Number of Mortgaged Properties | xxxxxx | 2 | 1 | Number of Mortgaged Properties 2 confirmed. |
| 856963 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | xxxxxx | 54240.63 | 13766.69 | Liquid Funds Post-Close Considered from Final CD. |
| 856963 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | xxxxxx | 8057.45 | 48.35 | Reviewed Total Monthly Liabilities Considered from credit report. |
| 856963 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 48.78 | 48.35 | Qualifying Total Debt Income Ratio rounding the Value. |
| 857024 | xxxxxx |  | xxxxxx | Verified Doc Type | xxxxxx | Asset Depletion – Debt Ratio Calculation | Asset Depletion | Asset depletion with DTi |
| 857024 | xxxxxx |  | xxxxxx | Underwriting Guideline Product Name | xxxxxx | ACC- Prime | Prime | Loan Program confirmed |
| 857051 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 24.17 | 25.04 | DTI has a variance of 0.87 due to tradeline xxxxxx 3014, which is included in DTI Calculation, but it is Closed per Credit Report |
| 857051 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | xxxxxx | 22.75 | 23.32 | HTI has a variance of 0.57 due to tradeline xxxxxx 3014, which is included in HTI Calculation, but it is Closed per Credit Report |
| 857059 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Townhouse | PUD | Property Type is PUD attached, hence updated as Townhouse. |
| 857072 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Townhouse | PUD | Updated Property Type to Townhouse. Appraisal report reflect Attached PUD. |
| 857073 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Two to Four Unit | Single Family Detached | Updated as per appraisal. Property type is a 4 unit property. |
| 857559 | xxxxxx |  | xxxxxx | Number of Borrowers | xxxxxx | 2 | 1 | We have two borrowers in file and update the same. |
| 857559 | xxxxxx |  | xxxxxx | Prepayment Penalty Calculation | xxxxxx | 5%, 5%, 5%, 5%, 5% | 0 | Loan has prepayment penalty of 5%, 5%, 5%, 5%, 5% and updated the same. |
| 857559 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx | xxxxxx | Note date has been updated as xxxxxx as per note document. |
| 857559 | xxxxxx |  | xxxxxx | Verified Doc Type | xxxxxx | Debt Service Coverage Ratio | ALT DOC | Loan is qualified with DSCR and updated the same under employment page. |
| 857559 | xxxxxx |  | xxxxxx | Number of Mortgaged Properties | xxxxxx | 3 | 1 | Borrower owns 3 properties, hence no of mortgage properties updated as 3. |
| 857559 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | xxxxxx | 568881.09 | 578493.08 | Assets has been updated as per latest bank statements and as per lender guidelines we need 6 months, we have sufficient reserves and the qualified assets are $568,881.0. |
| 857559 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | xxxxxx | 26800 | NA | Toral monthly liabilities are updated as per latest CBR report. |
| 857659 | xxxxxx |  | xxxxxx | Qualifying FICO | xxxxxx | 706 | 702 | 706 middle score per Credit Report in file |
| 857659 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Single Family Attached | Single Family Detached | Semi-detached per Appraisal |
| 857665 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Two to Four Unit | Single Family Detached | Property type is 2-4 unit per Appraisal |
| 857665 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 42.98 | 42.73 | DTI variance is due to $60 difference in primary housing payment. 1008 reflects $6,600; however, actual payment is $6,660. |
| 857665 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | xxxxxx | 29.39 | 29.13 | HTI variance is due to $60 difference in primary housing payment. 1008 reflects $6,600; however, actual payment is $6,660. |
| 857676 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Townhouse | PUD | Verified per appraisal subject property is an attached townhome/PUD. |
| 857682 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Two to Four Unit | Single Family Detached | Updated Property type is 2 to 4 unit per Appraisal |
| 857682 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | xxxxxx | 0 | NA | Values Match |
| 857881 | xxxxxx |  | xxxxxx | Mortgage Origination Channel | xxxxxx | Wholesale | Broker | Mortgage Origination is Broker Channel considered as Wholesale. |
| 857881 | xxxxxx |  | xxxxxx | All Borrower Total Income | xxxxxx | 47510.7 | 0.00 | All Borrower Total Income Updated as income Document and 1003& 1008. |
| 857881 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Townhouse | PUD | PUD attached updated as per Townhouse. |
| 857881 | xxxxxx |  | xxxxxx | Prepayment Penalty Calculation | xxxxxx | 5% | 0 | Prepayment Penalty Calculation is updated as per Note document. |
| 857881 | xxxxxx |  | xxxxxx | Borrower 1 Income Verification Level | xxxxxx | 3 - Stated, Partially Verified | 47510.7 | Borrower is Qualifying with 12 Month Bank Statement hence updated as 3 - Stated, Partially Verified. |
| 857881 | xxxxxx |  | xxxxxx | Borrower 1 Executed 4506T Verified | xxxxxx | NA | 46014 | Borrower 1 Executed 4506T Verified There is no 4506T information in provided Document. |
| 857881 | xxxxxx |  | xxxxxx | Verified Doc Type | xxxxxx | 12 Month Bank Statement | ALT DOC | Borrower is Qualifying with 12 Month Bank Statement hence updated same. |
| 857881 | xxxxxx |  | xxxxxx | Number of Mortgaged Properties | xxxxxx | 2 | 1 | Number of Mortgaged Properties is updated as updated as per Credit Report. |
| 857881 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | xxxxxx | 191265.15 | 0.00 | Liquid Funds Post-Close Updated as per Final CD Cash To Close is To Borrower. |
| 857881 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | xxxxxx | 8376.06 | 17.72 | Reviewed Total Monthly Liabilities updated as per Credit Report. |
| 857881 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 17.63 | 17.72 | Qualifying Total Debt Income Ratio is matching variance is less than 1%. |
| 857992 | xxxxxx |  | xxxxxx | All Borrower Total Income | xxxxxx | 5367.1 | 0.00 | Borrowers income has been updated as per provided bank statements. |
| 857992 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx | xxxxxx | Note date has been updated as xxxxxx as per note document page #xxxxxx |
| 857992 | xxxxxx |  | xxxxxx | Borrower 1 Executed 4506T Verified | xxxxxx | NA | 45947 | We have no executed 4506C in file and not required as loan qualified with business bank statements and 4506 C not required. |
| 857992 | xxxxxx |  | xxxxxx | Verified Doc Type | xxxxxx | 12 Month Bank Statement | ALT DOC | Loan is qualified with 12 months bank statements and updated same ALT DOC and 12 months bank statements. |
| 857992 | xxxxxx |  | xxxxxx | Borrower 1 Income Verification Level | xxxxxx | 3 - Stated, Partially Verified | 5367.1 | Borrower income qualified with business bank statements, hence income verification level has been updated as 3. |
| 857992 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | xxxxxx | 139672.07 | 17489.95 | Assets and cash out from final Cd verified |
| 857992 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 41.41 | 40.66 | As per latest credit report we have $40 monthly installment payment due to that payment DTI discrepancy occurred, however variance is 0.75 only it is with in tolerance only. |
| 857992 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | xxxxxx | 2222.36 | 40.66 | Total monthly liabilities are updated as per latest CBR report. |
| 858153 | xxxxxx |  | xxxxxx | Qualifying FICO | xxxxxx | 716 | 702 | Fico Score 716 Confirmed from credit report |
| 858692 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | xxxxxx | 8.06 | 9.69 | Utilized primary housing payment for front end DTI coming out to 8.06 |
| 858692 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 40.84 | 42.47 | Audited HTI is 8.06% and DTI is 40.84%, compared to the Originator's HTI of 9.69% and DTI of 42.47%. The DTI variance is due to the Primary Housing Mortgage with xxxxxx Bank (#8186); the monthly payment of $1,458 was updated based on the latest credit report. However DTI meets within GL requirement. |
| 859239 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx | xxxxxx | Note date verified from Note document |
| 859239 | xxxxxx |  | xxxxxx | Verified Doc Type | xxxxxx | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 859239 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | xxxxxx | 12287.64 | 12287.65 | Qualifying Total Housing Expense PITIA Variance is 0.01. due to Property Tax Premium $2,347.94 updated as per Tax Cert document but FINAL CD doc showing as $2,347.95. |
| 859239 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 25.82 | 30.92 | DTI inline with client provided docs from finding. |
| 859837 | xxxxxx |  | xxxxxx | Qualifying FICO | xxxxxx | 763 | 752 | Per GL 01.16.2026 page #36, the borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. As B2 income is higher than B1 , B2 FICO of 763 should be used. However, this FICO difference doesn't impact any GL limits, |
| 859837 | xxxxxx |  | xxxxxx | Interest Rate | xxxxxx | 7.125 | 712.5000 | Updated as per note |
| 859837 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx | xxxxxx | Updated as per note |
| 859837 | xxxxxx |  | xxxxxx | Verified Doc Type | xxxxxx | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 859837 | xxxxxx |  | xxxxxx | Loan Program | xxxxxx | A+ | Non Agency NQM | Loan program verified from loan approval and updated as A+ |
| 859837 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 25.81 | 24.76 | Audited DTI 25.81% Lender DTI 24.76% Difference is 1.05% this is due to that 1) Lender considered the monthly income as $48,610.17 where as per our calculation it is $46,623.74 2) All other monthly payments as $14,378.8 where as per our calculation it is $12,034.33 |
| 860180 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | xxxxxx | 13.12 | 13.56 | HTI variance iis due to the $99.42 Solar Installment monthly payment. Variance is within tolerance 0.44% (less than 1%) |
| 860182 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 18.67 | 17.12 | DTI variance is due to all liabilities reported on credit report being captured. DTI is less than Max DTI 50%. |
| 860204 | xxxxxx |  | xxxxxx | Property Type | xxxxxx | Townhouse | PUD | As per appraisal report property is a townhouse in a PUD. |
| 860209 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | xxxxxx | 34.39 | 34.56 | DTI variance is 0.16% and is within 1% tolerance - Monthly HOA fees on appraisal reflects $1351 annually or $112.58 monthly. 1008 reflects $139, monthly. |
| 860209 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | xxxxxx | 25.32 | 25.48 | HTI variance is 0.16% and is within 1% tolerance - Monthly HOA fees on appraisal reflects $1351 annually or $112.58 monthly. 1008 reflects $139, monthly. |

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## Exhibit 99.28

**EXHIBIT 99.28**

**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?** |
| 832104 | 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 | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2681.36 | Yes | Employed |  | No |  | No |  |
| 850606 | 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 |
| 852103 | 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 | No | Yes | Present |
| 852365 | 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 |
| 852903 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11718.83 | Yes | Employed |  | No |  | No |  |
| 853316 | 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 |
| 853680 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | 54798.86 | N/A | Employed |  | No |  | Yes | Present |
| 853804 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 854067 | 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 |
| 854069 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3449.21 | Yes | Employed |  | No |  | No |  |
| 854081 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4906.74 | Yes | Not Employed | Employed | No | No | No |  |
| 854127 | 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 |
| 854178 | 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 |
| 854223 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4263.87 | Yes | Employed |  | No |  | No |  |
| 854591 | 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 |  | Yes | Present |
| 854648 | 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 |  | Yes | Present |
| 854654 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 854803 | 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 | 23751.89 | N/A | Employed |  | No |  | Yes | Present |
| 854806 | 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 | No | Yes | Present |
| 854810 | 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 |
| 854874 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7360.06 | Yes | Employed |  | No |  | No |  |
| 854909 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | No | No | No | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17765.56 | Yes | Employed | Not Employed | No | No | No |  |
| 855105 | 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 |
| 855417 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 855767 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 31746.72 | N/A | Employed | Employed | No | No | Yes | Present |
| 856256 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2509.51 | Yes | Employed |  | No |  | No |  |
| 856258 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2294.37 | Yes | Employed |  | No |  | No |  |
| 856266 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5630.18 | Yes | Employed |  | No |  | No |  |
| 856267 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9939.11 | Yes | Employed |  | No |  | No |  |
| 856272 | 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 | No | Yes | Present |
| 856273 | 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 |  |  | Yes |  | Yes | Present |
| 856274 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 856275 | 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 |
| 856276 | 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 |
| 856278 | 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 | No | Yes | Present |
| 856284 | 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 |
| 856288 | 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 |
| 856291 | 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 |
| 856295 | 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 |
| 856297 | 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 |  | Yes | Present |
| 856353 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12580.68 | Yes | Retired |  | No |  | No |  |
| 856733 | 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 |
| 856892 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9595.81 | Yes | Employed |  | No |  | No |  |
| 856963 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8460.9 | Yes | Employed | Employed | No | No | No |  |
| 857024 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10582.95 | Yes | Not Employed |  | No |  | No |  |
| 857028 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5473.94 | Yes | Employed |  | No |  | No |  |
| 857031 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19410.02 | Yes | Employed |  | No |  | No |  |
| 857033 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31068.54 | Yes | Employed |  | No |  | No |  |
| 857040 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27171.39 | Yes | Employed |  | No |  | No |  |
| 857041 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26026.71 | Yes | Employed |  | No |  | No |  |
| 857044 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 115038.73 | Yes | Employed |  | No |  | No |  |
| 857049 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6796.81 | Yes | Employed |  | No |  | No |  |
| 857051 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9987.16 | Yes | Employed | Employed | No | No | No |  |
| 857053 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30309.52 | Yes | Employed |  | No |  | No |  |
| 857054 | 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 |  |  | Yes |  | Yes | Present |
| 857056 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 857057 | 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 | No | Yes | Present |
| 857059 | 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 |
| 857066 | 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 |
| 857070 | 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 |
| 857072 | 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 |
| 857073 | 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 |
| 857290 | 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 |
| 857332 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7087.42 | Yes | Employed |  | No |  | No |  |
| 857559 | 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 | No | Yes | Present |
| 857656 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A | Not Tested | Yes | No | No | No | No | Yes | No | No | No | Not Tested |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10390.05 | N/A | Employed |  | No |  | Yes | Present |
| 857657 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19378.31 | Yes | Employed |  | No |  | No |  |
| 857659 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3464.18 | Yes | Employed |  | No |  | No |  |
| 857662 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9163.3 | Yes | Employed |  | No |  | No |  |
| 857663 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30649.87 | Yes | Employed |  | No |  | No |  |
| 857665 | 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 | 13334.93 | N/A | Employed |  | No |  | Yes | Present |
| 857667 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20324.84 | Yes | Employed |  | No |  | No |  |
| 857668 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4181.9 | Yes | Employed |  | No |  | No |  |
| 857670 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9748.58 | Yes | Employed |  | No |  | No |  |
| 857673 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2140.01 | Yes | Employed |  | No |  | No |  |
| 857676 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2994.16 | Yes | Employed |  | No |  | No |  |
| 857677 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4674.34 | Yes | Employed |  | No |  | No |  |
| 857681 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3484.91 | Yes | Employed |  | No |  | No |  |
| 857682 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15666.99 | Yes | Employed |  | No |  | No |  |
| 857881 | 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 | 39134.64 | N/A | Employed |  | No |  | Yes | Present |
| 857934 | 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 |
| 857992 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3144.74 | Yes | Employed |  | No |  | No |  |
| 858153 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8725.1 | Yes | Not Employed |  | No |  | No |  |
| 858692 | 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 | 31169.79 | N/A | Employed |  | No |  | Yes | Present |
| 858893 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9376.47 | Yes | Employed |  | No |  | No |  |
| 859239 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59494.36 | Yes | Employed |  | No |  | No |  |
| 859460 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26740.6 | Yes | Employed |  | No |  | No |  |
| 859837 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34589.41 | Yes | Employed | Employed | No | No | No |  |
| 860165 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2506.14 | Yes | Employed |  | No |  | No |  |
| 860166 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20619.02 | Yes | Employed |  | No |  | No |  |
| 860170 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6269.97 | Yes | Employed |  | No |  | No |  |
| 860172 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5547.46 | Yes | Employed | Employed | No | No | No |  |
| 860177 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | 271565.29 | N/A | Employed |  | No |  | Yes | Present |
| 860180 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18370.29 | Yes | Employed |  | No |  | No |  |
| 860182 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20543.85 | Yes | Employed |  | No |  | No |  |
| 860199 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5152.66 | Yes | Employed |  | No |  | No |  |
| 860203 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27686.76 | Yes | Employed |  | No |  | No |  |
| 860204 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6259.7 | Yes | Employed |  | No |  | No |  |
| 860209 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10384.98 | Yes | Employed | Employed | No | No | No |  |
| 860222 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4407.21 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.29

**EXHIBIT 99.29**

**selene VALUATIONs 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** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 856291 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-05-2025 |
| 857057 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-16-2025 |
| 856733 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 857066 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 854069 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.22 | 60.22 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857332 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-16-2025 |
| 854909 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.66 | 21.66 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-23-2025 Eligible |  |  |
| 854127 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.68 | 73.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854654 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854648 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-22-2025 |
| 857059 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 856275 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856353 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 854081 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.82 | 71.82 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 852903 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856892 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 855767 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857072 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.14 | 46.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 857024 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857073 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857070 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 856272 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857054 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 856284 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.77 | 79.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-29-2025 |
| 856273 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-30-2025 |
| 859239 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.64 | 63.64 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856297 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 855417 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 855105 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856276 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 |
| 854803 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854806 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 853316 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856274 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 854067 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 856278 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 852365 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 854223 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.63 | 79.63 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853804 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.79 | 48.79 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 |
| 854810 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854591 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-22-2025 |
| 854178 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.65 | 45.65 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853680 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 859460 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.45 | 59.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-01-2025 |
| 852103 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 10-23-2025 |
| 850606 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832104 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | 0.0 | .0000 | 03-21-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-20-2025 |
| 858893 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.66 | 69.66 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860170 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 01-15-2026 |
| 860204 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 |
| 860177 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 02-02-2026 |
| 856256 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.93 | 62.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-19-2026 |
| 860165 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 860222 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 860180 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-26-2026 |
| 860172 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 |
| 860203 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 857667 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859837 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.89 | 68.89 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-16-2026 Eligible |  |  |
| 860209 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 |
| 857031 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-22-2025 |
| 860182 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.86 | 59.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 860199 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 860166 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 857668 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.08 | 23.08 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-05-2026 |
| 857041 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.29 | 28.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-12-2026 |
| 857682 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858153 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.18 | 38.18 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857992 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-26-2025 |
| 857677 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 858692 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857676 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.05 | 65.05 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-24-2025 |
| 856266 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.13 | 69.13 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-29-2025 |
| 857657 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.36 | 57.36 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-05-2025 |
| 857681 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 857881 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 |
| 857051 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 |  |  |  |  | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-19-2026 |
| 856258 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-11-2025 |
| 857670 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 857673 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.54 | 65.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-30-2025 |
| 857028 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 857662 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.9 | 79.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 |
| 857049 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 857934 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 |
| 857040 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.72 | 69.72 | xxxxxx | xxxxxx | -.0677 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0677 | xxxxxx | Moderate Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856267 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.43 | 75.43 |  |  |  |  | xxxxxx | xxxxxx | -.0571 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0571 | xxxxxx | Moderate Risk | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857665 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857656 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857659 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.38 | 73.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-16-2025 |
| 857663 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-01-2026 |
| 857559 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.55 | 74.55 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857033 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 856963 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.64 | 69.64 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857053 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 12-23-2025 |
| 857044 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.67 | 68.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 856295 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.24 | 46.24 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-13-2025 |
| 854874 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 857290 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | low risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-26-2025 |
| 857056 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 856288 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-11-2025 |

---

## Exhibit 99.30

**EXHIBIT 99.30**

**EVOLVE MORTGAGE SERVICES, LLC ("EVOLVE") EXECUTIVE SUMMARY**

![](tm2611390d1_ex99-30img001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

Verus 2026-4

Dated: April 2, 2026

**290 S Preston Road \| Suite 370 \| Prosper, TX 75078**<br>**P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](tm2611390d1_ex99-30img002.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 7 loans, consisting of 2 Residential Loans and 5 Business Purpose loans, totaling an aggregate original principal balance of approximately $3,142,900.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Moody's Investors Service, Inc ("Moodys") and Kroll Bond Rating Agency ("KBRA"), 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 |

---

---

| | | |
|:---|:---|:---|
| ![](tm2611390d1_ex99-30img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](tm2611390d1_ex99-30img002.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).

---

| | | |
|:---|:---|:---|
| ![](tm2611390d1_ex99-30img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](tm2611390d1_ex99-30img002.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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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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**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;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &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;71.43% | &nbsp;&nbsp;5 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**7** | &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;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;4 | &nbsp;&nbsp;57.14% |
| &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;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**7** | &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;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;7 | &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;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary** 

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;4 | &nbsp;&nbsp;57.14% |
| &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;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

**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;Doc Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;4 | &nbsp;&nbsp;7 | &nbsp;&nbsp;57.14% |

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**APPENDIX A**

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

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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;

&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> 

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

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

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**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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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.

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**(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;

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 99.31

**EXHIBIT 99.31**

**EVOLVE EXCEPTION DETAIL**

![](tm2611390d1_ex99-31img001.jpg)

**Exception Detail**

**Run Date - 03/23/2026 3:16:29 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 | 853581 | xxxxxx | 7878579 | xxxxxx | 01/20/2026 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR allows 1x30x12. Approval in file for 2x30x12 as 2 liens in the file are beyond the maturity date of the note. |  | Client waived with compensating factors: LTV of 65% where the max allowed is 70%, DSCR of 1.149 where the minimum required is .75, 7.23 months reserves verified |  |  |  | 01/20/2026 B | 2 | xxxxxx | xxxxxx | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 853581 | xxxxxx | 7878580 | xxxxxx | 01/20/2026 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | 12 month VOMs required. The VOM, note and extension for xxxxxx and xxxxxx missing from the file. | Note, Bank statements, and Mortgage statement provided verifying the housing history |  |  | 01/20/2026 |  | A | 1 | xxxxxx | xxxxxx | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 853581 | xxxxxx | 7878581 | xxxxxx | 01/28/2026 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | The borrower's FICO of 656 does not meet the minimum required of 660. |  | Client waived with compensating factors: LTV of 65% where the max allowed is 70%, DSCR of 1.149 where the minimum required is .75, 7.23 months reserves verified |  |  |  | 01/28/2026 B | 2 | xxxxxx | xxxxxx | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 856962 | xxxxxx | 8987288 | xxxxxx | 03/23/2026 | Property | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Properties must be as is. Approval in file to allow xxxxxx and not completed. | Photo evidence provided indicating xxxxxx |  |  | 03/23/2026 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 856962 | xxxxxx | 7738550 | xxxxxx | 12/22/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Management approval required for short term rental income. Approval in file approving short term rental income. |  | Client Waived with Compensating Factors: Credit depth dating back to 1997. 18 months reserve above minimum requirement of 6 months. 20 years self employed, experienced investor, 9 year ownership in primary residence (free and clear). |  |  |  | 12/22/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 858538 | xxxxxx | 8129212 | xxxxxx | 02/03/2026 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for Rural property under the DSCR Program. |  | Client Waived with Compensating Factors: LTV of 70% where the max allowed is 85%, 32.73 months reserves when only 12 months required, 0x30x31 current mortgage payment history and 797 fico score where the minimum required is 740. |  |  |  | 02/03/2026 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 859449 | xxxxxx | 7972643 | xxxxxx | 01/30/2026 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Asset qualifier requires gross asset post close greater than $500,000 or loan amount plus 60 months debt service. Borrower is short xxxxxx for post closing assets. |  | Client Waived with Compensating Factors: LTV of 40.60% where the max allowed is 75%, 780 fico score where the minimum required is 660. Residual income of $10,526 exceeds the minimum required of $2,750. DTI of 41.11% where the maximum allowed is 50%. |  |  |  | 01/30/2026 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B | A | A |  | Safe Harbor QM (APOR) | 1 |

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## Exhibit 99.32

**EXHIBIT 99.32**

**EVOLVE DATA COMPARE**

![](tm2611390d1_ex99-31img001.jpg)

**Data Compare**

**Run Date - 03/23/2026 3:16:29 PM**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| xxxxxx | 853581 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | DSCR used to qualify |
| xxxxxx | 853581 | xxxxxx | Self-Employment Flag |  | N | n/a DSCR used no stated employment |
| xxxxxx | 856791 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with Loan Approval |
| xxxxxx | 856791 | xxxxxx | Qualifying DTI | 0.35372 | 0.40859 | Lender included undocumented rental income |
| xxxxxx | 856791 | xxxxxx | Property Zip | xxxxxx | xxxxxx | Verified |
| xxxxxx | 856791 | xxxxxx | QM Status | Exempt | Non-QM | Verified |
| xxxxxx | 856962 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with loan approval |
| xxxxxx | 856962 | xxxxxx | Property Type | HighRiseCondominium | Condo Hotel | Verified with loan approval |
| xxxxxx | 858538 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | verified with loan approval |
| xxxxxx | 858538 | xxxxxx | Self-Employment Flag |  | N | DSCR loan not stated not verified |
| xxxxxx | 859448 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with Approval |
| xxxxxx | 859448 | xxxxxx | Self-Employment Flag |  | N | NA not stated not verified DSCR file |
| xxxxxx | 859449 | xxxxxx | Doc Type | FullDocumentation | Asset Depletion | asset qualifier used to qualify |
| xxxxxx | 859449 | xxxxxx | PITI | 5529.95 | 6284.06 | piti verified with note, tax cert, and hoi dec page |
| xxxxxx | 860514 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | DSCR USED TO QUALIFY |
| xxxxxx | 860514 | xxxxxx | Self-Employment Flag | N | Y | Verified with application |

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## Exhibit 99.33

**EXHIBIT 99.33**

**EVOLVE QM ATR DATA**

![](tm2611390d1_ex99-31img001.jpg)

**QM ATR Data**

**Run Date - 03/23/2026 3:16:29 PM**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 853581 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| xxxxxx | 856791 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $11116.25 | xxxxxx | 0.00% | Self-Employed | Employed | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN IRS Letter | Yes | $5719.23 |
| xxxxxx | 856962 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 858538 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 859448 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 859449 | xxxxxx | Safe Harbor QM (APOR) | Not Provided | No | xxxxxx | No | No | $15207.90 | xxxxxx | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $10526.29 |
| xxxxxx | 860514 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |

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## Exhibit 99.34

**EXHIBIT 99.34**

**EVOLVE RATING AGENCY GRADES**

**Rating Agency Grades**

**Run Date - 03/23/2026 3:16:29 PM**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 853581 | 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 | 856791 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 856962 | 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 | 858538 | 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 | 859448 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 859449 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 860514 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.35

**EXHIBIT 99.35**

**EVOLVE valuation REPORT**

![](tm2611390d1_ex99-31img001.jpg)

**Valuation Report**

**Run Date - 03/23/2026 3:16:29 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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** | **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 | 853581 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251021 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.00% | xxxxxx A | 20251119 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 856791 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20260112 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.00% | xxxxxx A | 20260115 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 856962 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251201 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.00% | xxxxxx A | 20251210 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 858538 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20260108 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.00% | xxxxxx A | 20260123 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 859448 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20260119 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.00% | xxxxxx A | 20260121 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 859449 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251223 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.00% | xxxxxx A | 20260105 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 860514 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251216 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.00% | xxxxxx A | 20260207 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.36

**EXHIBIT 99.36**

**Clayton Services llc ("clayton") due diligence narrative report**

![](tm2611390d1_ex99-36img001.jpg)

![](tm2611390d1_ex99-36img002.jpg)

**April 3, 2026<br> Due Diligence Narrative Report**![](tm2611390d1_ex99-36img001.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;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &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** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

 ****

Verus 2026-4 Due Diligence Narrative Report Page \| 1 April 3, 2026

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 ****

**Clayton Contact Information**

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-35img003.jpg) | **Michael Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-35img003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 44 residential loans selected for Verus 2026-4. The loans referenced in this narrative report were reviewed from 11/2025 to 2/2026. 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 44 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;42 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Correspondent Flow with delegated underwriting | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**44** | &nbsp;&nbsp;**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 2026-4 Due Diligence Narrative Report Page \| 2 April 3, 2026

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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** | 44 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 44 |  |

---

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 Moody's Ratings ("Moody's").

Verus 2026-4 Due Diligence Narrative Report Page \| 3 April 3, 2026

![](tm2611390d1_ex99-36img001.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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (44 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;· Field
 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;· Full
 Appraisal

Verus 2026-4 Due Diligence Narrative Report Page \| 4 April 3, 2026

![](tm2611390d1_ex99-36img001.jpg)

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.

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.

Verus 2026-4 Due Diligence Narrative Report Page \| 5 April 3, 2026

![](tm2611390d1_ex99-36img001.jpg)

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

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

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

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

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 2026-4 Due Diligence Narrative Report Page \| 6 April 3, 2026

![](tm2611390d1_ex99-36img001.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 2026-4 Due Diligence Narrative Report Page \| 7 April 3, 2026

![](tm2611390d1_ex99-36img001.jpg)

**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** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;3 | &nbsp;&nbsp;93.18% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;9 | &nbsp;&nbsp;79.55% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Ever in Foreclosure | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;84.09% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;9 | &nbsp;&nbsp;79.55% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;88.64% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;18 | &nbsp;&nbsp;59.09% |

---

Verus 2026-4 Due Diligence Narrative Report Page \| 8 April 3, 2026

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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 (Moody's & 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** | 36 |  |  | 3 | **39** |
| **Final** | **B** |  | 3 | 2 |  | **5** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **36** | **3** | **2** | **3** | **44** |

---

\*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 (Moody's & 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 | 38 |  |  | 2 | **40** |
| **Final** | B |  | 2 | 2 |  | **4** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **38** | **2** | **2** | **2** | **44** |

---

**Initial and Final Property Valuation Grade Results (Moody's & 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 | 42 |  |  | 1 | **43** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **42** | **1** | **0** | **1** | **44** |

---

Verus 2026-4 Due Diligence Narrative Report Page \| 9 April 3, 2026

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**Initial and Final Regulatory Compliance Grade Results (Moody's & 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 | 25 |  |  |  | **25** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **25** | **0** | **0** | **0** | **25** |

---

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

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

---

| |
|:---|
| &nbsp;&nbsp;1. ASF Report |
| &nbsp;&nbsp;2. ASF Supplement |
| &nbsp;&nbsp;3. Attestation Forms |
| &nbsp;&nbsp;4. Business Purpose Supplement |
| &nbsp;&nbsp;5. Conditions Report |
| &nbsp;&nbsp;6. Loan Level Tape Compare Upload |
| &nbsp;&nbsp;7. Narrative Report |
| &nbsp;&nbsp;8. Non/QM ATR Upload |
| &nbsp;&nbsp;9. Rating Agency Grades 2.0 |
| &nbsp;&nbsp;10. Valuation Summary Report |

---

Verus 2026-4 Due Diligence Narrative Report Page \| 10 April 3, 2026

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non-occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

Verus 2026-4 Due Diligence Narrative Report Page \| 11 April 3, 2026

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

- 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

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- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

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

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

Verus 2026-4 Due Diligence Narrative Report Page \| 13 April 3, 2026

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**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

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

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

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

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the appraisal valuation to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following
key points in making determination:

- Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was "highest and best use"

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 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;▪ % 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;▪ 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;▪ 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;▪ 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;▪ 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

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&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA
Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed
valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the
underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real property
relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer.
The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date
of the appraisal provided. The CDA will also provide an analysis of the appraisal provided, including supporting
narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also
contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear
Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the
file completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original
appraiser's methodologies, credentials, and commentary to ensure compliance with regulatory requirements and industry accepted best
practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

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**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1:
 confirm the correct version of the GFE and HUD1 were properly completed under the Regulation
 X Final Rule that became mandatory on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial
 Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days
 of valid changed circumstance documentation within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms
 on the HUD1 correspond to the actual loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed
 the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement
 Service Provider List if the lender excludes fees that the borrower can shop for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated
 Business Disclosure: if the loan file indicates the lender or broker referred the borrower
 to a known affiliate, confirm the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership
 Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided
 to the borrower within 3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL
 Disclosure: Content of Disclosures – perform an independent recalculation of the finance
 charges and APR to determine whether the amounts disclosed on the final TIL were within allowable
 tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement
 Act for loans applications on or after January 30, 2010. Additional disclosure content with
 a focus on the consistency of the prepayment penalty disclosure and assumption policy with
 the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage
 Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure
 within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures
 provided at least 3 days prior to consummation for applications received on or after July
 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM
 Disclosure: confirm these disclosures are in the file within 3 days of application, or 3
 days of the borrower discussing ARM programs identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right
 of Rescission – Review the disclosure form type, disclosure timing, disclosed dates,
 other material disclosures, and the loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher
 Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal
 requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited
 Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents,
 financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section
 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM
 Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014,
 confirm the loan file contains documentation to evidence the lender considered and verified
 the borrower has the ability to repay in accordance with the ATR requirements This included
 identifying whether QM loans met agency exemptions or were underwritten in accordance with
 Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered
 and verified the 8 underwriting factors as required for ATR compliance. This review also
 includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

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&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.

&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.

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

&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.

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton 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:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp;Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp;Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

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**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&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.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &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.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

Verus 2026-4 Due Diligence Narrative Report Page \| 22 April 3, 2026

## Exhibit 99.37

**EXHIBIT 99.37**

**clayton conditions report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-4** |
| **Start - End Dates:** | **11/12/2025 - 2/25/2026** |
| **Deal Loan Count:** | **44** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *44* |
| ***Loans with Conditions:*** | *8* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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** |
| 852463 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 15 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 38.89%. G/l max is 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Qualifying fico is 79.63 months piti reserves |
| 852531 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 FICO score is above the 680 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 205.08 months reserves are above the required 3.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.492% LTV is below the 70% max. |
| 852536 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 702 exceeds the minimum of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 58.79% is below the maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $524870.25, 93.07 months reserves, 9 months required |
| 853416 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $135,233.15/81.69 PITIA which is > guideline minimum of 3 months PITIA. |
| 853795 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of687 is above the required 660<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower current PITI is $2678.13; Subject PITI is $2212.65. Monthly savings of $465.48<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $49732.15 or 22.48 months of PITIA. 6 months required. |
| 853796 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Property Valuations | Property | Waived B | PRVAPROP2674 | Property Issues Indicated 2 | No | Subject property is a SFR with a Gross Living Area of xxxxxx Sq. Ft.. Guidelines require a 700 Sq. Ft. minimum for SFR subject properties. Clayton considers this non material, borrower is experienced investor, credit score is 713/700, and borrower has 7.15 months reserves/3 months required. | 12.30.2025 - Acknowledged by client. | 12.30.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $23,655.41, 7.15 months; 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 is 13 points above minimum program requirement of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x60 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 854467 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60 is below the maximum allowable of 65<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $587,216.56 or 74.02 months of PITIA. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of692 is above the required 680 |
| 854477 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Waived C B | CRDTER3262 | Property issues indicated | No | Missing required Balance sheet dated within the past 90 days to determine condo warrantability. Tape reflects condo is warrantable. | 1-9-26 Client replied: For the below condition, per the HOA there isnt a balance sheet as this is xxxxxx and they just started closings a few weeks ago. Please advise if there is something we can provide in lieu of the balance sheet in order to clear this request.1-21-26 Client uploaded post close exception. 01.26.2026 - Acknowledged by client. | 1-9-26 Clayton reviewed file and responded: xxxxxx for the delay. I reviewed the budget which reflects income and expenses for 2025 so they should be able to provide a balance sheet. This is a new requirement with the xxxxxx 10-28-25 guidelines for determination of warrantability. Tape reflects it is warrantable. I dont see any restriction on xxxxxx (5-15-25 Matrix) on LTV for Non-Warrantable condo so if it was changed to non-warrantable having a balance sheet wouldnt change the fact that it was non-warrantable. So, I could cancel the exception if it was changed. Not sure if that makes a difference in the end investor pricing. If you decide to go that route, please send updated tape. Exception remains. 1-22-26 Clayton reviewed exception which states it is for non-warrantable condo without a balance sheet. Clayton deems non-material/non-fatal to lending decision as lender is calling non-warrantable condo and the following compensating factors: 27.05 months cash reserves/6 required, 7 years at current residence and high DSCR at 1.9028. Non-material exception remains. 01.26.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: market rents:$121,000/12\*80%=$8,066 (r)/$4,239.07=1.9028<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $114673.45, 27.05 months. 6 months required. |
| 854834 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $475922.15, 112.87 months reserves, 3 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 799 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% or revolving credit utilized<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 44 months reviewed for primary residence mortgage, exceeds the 12 months required |
| 854835 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $1,737,469.96, 132.30 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 750 is 10 points above minimum program requirement of 740.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 36 months. |
| 856120 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 Credit score exceeds guidelines of 680 per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $109,083.32 or 9.2 months PITIA exceed guideline 3 months x $3,161.74 = $9,485.22 required. |
| 856124 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount xxxxxx is below minimum $200,000 required by the guideline. Exception approval in file. | (No Data) | Exception waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$172,737.14 or 122 months PITIRequired PITI reserves are 3 x $1,406.73 = $4,220.19<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 744 is above 660 |
| 857237 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of811 is above the required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.75 is below the maximum allowable of 75<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $118369.47 or 72.91 months of PITIA. 9 months required. |
| 857238 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $181,778.79, 77.26 months, 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 is 26 points above minimum program requirement of 740.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 61.18%; guidelines allow 75%. |
| 857240 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing multiple pages of appraisal, some of the pages are blank, a picture page has labels for xxxxxx. | 1-9-26 Client uploaded appraisal. | 1-9-26 Clayton reviewed appraisal was acceptable. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of818 is above the required 740<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.58 is below the maximum allowable of 75<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of39 months exceeds the required 12 months |
| 857240 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR4775 | Missing Market Rent Analysis | No | Missing xxxxxx form 1007 from appraisal with market rent analysis to verify rental income. | 1-9-26 Client uploaded 1007. | 1-9-26 Clayton reviewed 1007 which was acceptable. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of818 is above the required 740<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.58 is below the maximum allowable of 75<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of39 months exceeds the required 12 months |
| 857242 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $236,105.51, 122.12 months. 3 months reserves are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.66%. Guideline maximum 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 758. Guideline minimum 600. |
| 857243 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 34.783% LTV is below the 75% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 FICO score is above the 600 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 81.57 months of reserves are above the required 3. |
| 857246 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No | Missing xxxxxx credit report supporting a representative score of 707. | 1-22-26 Client replied: Please see uploaded credit report | 1-22-26 Clayton reviewed credit report and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $879,126.78, 110.74 months. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 707 is above the required 600 based on LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 20.83%; guidelines allows 75%. |
| 857246 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Title report indicates a lien with xxxxxx. Provide evidence of lien being released. | 1-22-26 Client replied: Please see uploaded final title policy. Lien with xxxxxx is no longer there. | 1-22-26 Clayton reviewed final title policy which no longer reflects the lien with xxxxxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $879,126.78, 110.74 months. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 707 is above the required 600 based on LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 20.83%; guidelines allows 75%. |
| 857246 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title in file does not have xxxxxx name. | 1-22-26 Client replied: Please see uploaded final title policy. xxxxxx is now on title. | 1-22-26 Clayton reviewed the final title and updated commitment which reflects borrower name. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $879,126.78, 110.74 months. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 707 is above the required 600 based on LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 20.83%; guidelines allows 75%. |
| 857247 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 34.47%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is above minimum program requirement of 600.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months. |
| 857248 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV is above the required 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 4.91 months of reserves are above the required 3.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 FICO score is above the 660 min |
| 857250 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 812 exceeds the minimum of 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 240 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $104947.50, 9.95 months reserves, 3 month required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% revolving credit utilized |
| 857297 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 728 is above guideline minimum 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $73,663.54 or 6.8 months PITIA. No reserves are required |
| 857367 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 444 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 812 is 72 points above minimum program requirement of 740.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; guidelines allow 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 0x30x46 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 857369 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 731 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $170,906.79, 61.15 months. 0 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 16.75%. |
| 857776 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV is below the 75% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 31.14 months of reserves are above the required 3. |
| 857777 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 70.06 months piti reserves. 9 required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 18% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 767. 660 minimum. |
| 857779 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short 1.32 months cash reserves. Loan closed as a rate term refinance, however due to current lien being a PIK loan it is considered a cash out refinance per guidelines requiring 3 months cash reserves. Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score of 782/ 660 minimum, LTV 63.18%/75% maximum, minimal credit use 15%, and 108 months of 0x30 consumer credit history per CBR. | 02.02.2026 - Acknowledged by client. | 02.02.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 15% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 782 exceeds the minimum of 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 108 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 63.18% is below the maximum of 75% |
| 857779 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Verification of mortgage for subject property supports there are no monthly payment and appears loan is a Paid In Kind loan. Per guidelines 1.4.1.2, PIK loans are to be treated as cash out. Loan closed as a Rate/term refi. | 1-27-26 Client replied: Previous note showing loan is and was not PIK | 1-27-26 Clayton reviewed note which refers to a Commercial Loan Agreement. The note states " I agree to fully pay this note on demand, but if no demand is made, I agree to pay the entire unpaid principal and any accrued interest on xxxxxx." The VOM in the file states: This is a 6 month balloon note with all due upon refinance or sale of the property. The pay off also indicates the same. xxxxxx lien is considered a PIK loan. Making this is a cash out refinance per guidelines and requiring 3 months cash reserves which based on file is short and a non-material exception has been added. Changed to cash out - Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 15% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 782 exceeds the minimum of 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 108 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 63.18% is below the maximum of 75% |
| 857784 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 384 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.36 months of reserves are above the required 3.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 FICO score is above the 640 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59% LTV is below the 75% max. |
| 857786 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of800 is above the required 740<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.14 is below the maximum allowable of 85<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 30% revolving trade utilization per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $35572.60 or 28.39 months of PITIA. 0 months required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 495 months of 0x30 consumer credit history per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years living at primary residence. |
| 857787 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with oldest tradeline dated 1-27-1998 with no late payments.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 772 is above the required 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.81%; guidelines allows 85%. |
| 857931 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing Title | 1/30/26 Client provided preliminary title. | 1/30/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.75% is below LTV 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.68% is below DTI 49.99%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$216.36. No reserves are required |
| 858195 | 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 |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.44% is below DTI 49.99% Maximum guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $179,966.40 or 10.45 months PITI. Required PITI reserves are 6 x $17,216.32 = $103, 2978.92<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 730 is above guideline minimum of 720<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years at current job. |
| 858209 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence 25 years with current mortgage reported for 82 months with no lates.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 676. Guideline minimum 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $112,787.46, 16.43 months. No reserves are required. |
| 858210 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 715. Guideline minimum 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The borrower has 99+ months history with 1 30 day delinquency. the guidelines require a 12 month review.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $155,704.62, 144.44 months. 3 months reserves are required. |
| 858211 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $32838.79 or 29.22 months of PITIA. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 is below the maximum allowable of 85<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 0% |
| 858344 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Only 2 late pays on credit report.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16.43 months of reserves are above the required 0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 662 FICO score is above the 660 min. |
| 858525 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 89.82 months of reserves in file.3 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 qualifying credit score per CBR. 600 minimum based on LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 mortgage history per CBR. 12 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 34.58% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 years owning primary residence. |
| 858526 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.43 is below the maximum allowable of 75<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of795 is above the required 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $475583.99 or 104.58 months of PITIA. 3 months required. |
| 859236 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.06% is below guideline maximum of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 785 is above guideline minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$237,717.23 or 15 months of PITIA. Required PITIA reserves are 6 x $15,708.05 = $94,248.30 |
| 859290 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV 78.83% is greater than guideline maximum of 75% for Rate and Term refinance utilizing P&L Statement. GL page 10. | 2/23/26 Client provided a copy of the lender's exception granted approval for LTV up to 80% with compensating factors.2/26/2026 - Client gave authorization to waive this exception. | 2/26/2026 - Final Grade B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.48% is below guideline maximum 49.99%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x252 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x46 months positive mortgage payment history meeting 12 month guideline requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 779 exceeds guideline minimum 660 for Rate and Term Refinance. |
| 859643 | 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 |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 774 exceeds guideline requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 48.81 is below guideline requirement max of 50.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $1,005,772.36 or 131.93 months PITI reserve exceeds required reserves of 0.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.22 is below guideline requirement max of 80. |
| 859671 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $215,392.25 or 19.47 months PITIA exceed guideline 6 months x $11,064.21 = $66,385.26.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 Credit score exceeds guidelines of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.34% DTI below guideline requirement of 45%. |
| 859674 | 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 |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.01% is below guideline maximum of 49.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 is above guideline minimum 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 12 years in profession |
| 859675 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 Credit score exceeds guidelines of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $837,277.28 or 122.73 months PITI exceed guideline $5,822.25 x 3 months = $20,466.75 required. |

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## Exhibit 99.38

**EXHIBIT 99.38**

**clayton loan level tape compare upload**

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| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2026-4 |
| **Start - End Dates:** | 7/28/2025 - 1/16/2026 |
| **Deal Loan Count:** | 44 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *44* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 852463 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 852463 | xxxxxx | Total Cash Out | 139743.00 | 154743.00 |
| 852531 | xxxxxx | First Payment Date | xxxxxx | xxxxxx |
| 852531 | xxxxxx | Maturity Date | xxxxxx | xxxxxx |
| 852536 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 852536 | xxxxxx | Total Cash Out | 524870.25 | 541163.97 |
| 853795 | (No Data) | Original P&I | 1816.65 | 1816.07 |
| 853796 | (No Data) | Borrower DSCR Percent | 2.5058 | 2.3196 |
| 854477 | (No Data) | Cash Reserves | 136733.68 | 114673.45 |
| 854477 | (No Data) | Months Reserves | 27.00 | 27.05 |
| 854477 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 854477 | (No Data) | Total Cash Out | 22060.23 | 0.00 |
| 854834 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 854834 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 854834 | (No Data) | Ever in Foreclosure | Yes | No |
| 856124 | (No Data) | Borrower 1 First Name | xxxxxx | xxxxxx |
| 857237 | xxxxxx | Total Cash Out | 118075.42 | 118369.47 |
| 857238 | xxxxxx | Borrower DSCR Percent | 1.0478 | 1.2326 |
| 857238 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 857240 | xxxxxx | Combined LTV | 37.06 | 40.58 |
| 857240 | xxxxxx | Total Cash Out | (7092.03) | 0.00 |
| 857243 | xxxxxx | Original Appraisal Date | 12/01/2025 | 11/26/2025 |
| 857246 | xxxxxx | Total Cash Out | 879126.78 | 931913.20 |
| 857247 | xxxxxx | Cash Reserves | 471056.91 | 91043.58 |
| 857247 | xxxxxx | Months Reserves | 223.00 | 23.87 |
| 857247 | xxxxxx | Representative Credit Score for Grading | 789 | 797 |
| 857247 | xxxxxx | Total Cash Out | 378820.08 | 0.00 |
| 857248 | (No Data) | Total Cash Out | 21233.57 | 20913.57 |
| 857250 | (No Data) | Borrower DSCR Percent | 1.0673 | 1.4215 |
| 857250 | (No Data) | Cash Reserves | 720256.11 | 104947.50 |
| 857250 | (No Data) | Combined LTV | 67.49 | 70.00 |
| 857250 | (No Data) | Months Reserves | 131.00 | 9.95 |
| 857250 | (No Data) | Total Cash Out | 655324.53 | 0.00 |
| 857297 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 857367 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 857367 | (No Data) | Cash Reserves | 334522.81 | 61012.00 |
| 857367 | (No Data) | Months Reserves | 91.00 | 15.84 |
| 857367 | (No Data) | Total Cash Out | (14335.14) | 0.00 |
| 857369 | (No Data) | Cash Reserves | 133664.93 | 170906.79 |
| 857369 | (No Data) | Combined LTV | 71.95 | 75.00 |
| 857369 | (No Data) | Months Reserves | 76.00 | 61.15 |
| 857369 | (No Data) | Property Type | SFR | Condotel |
| 857369 | (No Data) | Total Cash Out | 79540.25 | 0.00 |
| 857776 | (No Data) | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 857777 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 857779 | (No Data) | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 857779 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 857779 | (No Data) | Total Cash Out | (1766.14) | 1766.14 |
| 857784 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 857786 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 857786 | xxxxxx | Total Cash Out | 118692.70 | 0.00 |
| 857787 | xxxxxx | Cash Reserves | 284205.17 | 1144.22 |
| 857787 | xxxxxx | Months Reserves | 1.00 | 0.31 |
| 857787 | xxxxxx | Total Cash Out | 281810.32 | 0.00 |
| 857931 | xxxxxx | Property Type | SFR | 4 Family |
| 858195 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 858209 | (No Data) | Cash Reserves | 401685.42 | 112787.46 |
| 858209 | (No Data) | Months Reserves | 104.00 | 16.43 |
| 858209 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 858209 | (No Data) | Total Cash Out | 311894.34 | 0.00 |
| 858211 | xxxxxx | Cash Reserves | 82765.76 | 32838.79 |
| 858211 | xxxxxx | Combined LTV | 72.92 | 75.00 |
| 858211 | xxxxxx | Months Reserves | 28.00 | 29.22 |
| 858211 | xxxxxx | Total Cash Out | 51799.76 | 0.00 |
| 858344 | xxxxxx | Cash Reserves | 595522.33 | 127996.58 |
| 858344 | xxxxxx | Months Reserves | 77.00 | 16.43 |
| 858344 | xxxxxx | Total Cash Out | (379.42) | 0.00 |
| 858525 | xxxxxx | Credit Report Date | 12/09/2025 | 01/16/2026 |
| 858526 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 859236 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 859643 | xxxxxx | Total Cash Out | 1005497.36 | 1005772.36 |
| 859671 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 859674 | xxxxxx | Debt to Income Ratio (Back) | 42.1700 | 37.3358 |
| 859674 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 859674 | xxxxxx | Property Type | Condotel | Low Rise Condo (1-4) |
| 859675 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.39

**EXHIBIT 99.39**

**clayton non ATR QM Upload**

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| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-4** |
| **Start - End Dates:** | **11/12/2025 - 2/25/2026** |
| **Deal Loan Count:** | **44** |
| **Non ATR QM Upload** | **Non ATR QM Upload** |
| *Loans in Report:* | *44* |

---

---

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 852463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1754.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 1.9944 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852531 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2673.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 0.8228 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 852536 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5639.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6650.00 | No | (No Data) | 1.1792 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 853416 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1655.35 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.0874 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Work Visa | (No Data) |
| 853795 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2212.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.0847 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 853796 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3233.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7500.00 | No | (No Data) | 2.3196 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 854467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7933.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3660.00 | No | (No Data) | 0.4614 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 854477 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (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 | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 3.75 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4239.07 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8066.00 | No | (No Data) | 1.9028 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 854834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4216.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.1858 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 854835 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13132.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 13200.00 | No | (No Data) | 1.0051 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 856120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5174.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5300.00 | No | (No Data) | 1.6762 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 856124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14116.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2053.00 | No | (No Data) | 1.4590 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857237 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1623.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.2935 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857238 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2352.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 1.2326 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857240 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2035 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 1.6216 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1933.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2500.00 | 1.2931 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 857243 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1982.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2950.00 | No | (No Data) | 1.4882 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857246 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7938.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 16000.00 | No | (No Data) | 2.0155 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857247 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3814.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4550.00 | No | (No Data) | 1.1927 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857248 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4255.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4900.00 | No | (No Data) | 1.1514 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10552.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 15000.00 | No | (No Data) | 1.4215 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857297 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6093 | No | No | 4.749 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -35082.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5500.00 | No | (No Data) | 0.5100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857367 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3852.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6554.00 | No | (No Data) | 1.7014 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857369 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2794.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4140.00 | No | (No Data) | 1.4813 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 857776 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1713.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2175.00 | No | (No Data) | 1.2695 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3071.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.5626 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857779 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1049.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 1.6675 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857784 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11759.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 14449.00 | No | (No Data) | 1.2288 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857786 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1252.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 2.3947 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857787 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3648.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3700.00 | No | (No Data) | 1.0142 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 857931 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | 4 Family | 4 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7943 | Yes | Yes | 2.433 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.68 | 42.68 | 42.68 | 42.68 | 42.68 | 42.68 | No | No | (No Data) | 10604.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 858195 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.2111 | Yes | Yes | 3.35 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.44 | 40.44 | 40.44 | 40.44 | 40.44 | 40.44 | No | No | (No Data) | 31923.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 108 | No | (No Data) | No | (No Data) | 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 - 108 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 858209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6865.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10800.00 | No | (No Data) | 1.5731 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 858210 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1077.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.2987 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 858211 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1123.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 1.1569 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 858344 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7789.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3000.00 | No | (No Data) | 0.3852 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 858525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4558.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8550.00 | No | (No Data) | 1.8755 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 858526 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4547.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.0995 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 859236 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6243 | Yes | Yes | 0.93 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.06 | 21.06 | 21.06 | 21.06 | 21.06 | 21.06 | No | No | (No Data) | 88758.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 859290 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6653 | Yes | Yes | 1.638 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.52 | 36.48 | 36.52 | 36.48 | 36.48 | 36.48 | No | No | (No Data) | 32602.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Other | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 859643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3249 | No | No | 2.254 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.81 | 48.81 | 48.81 | 48.81 | 48.81 | 48.81 | No | Yes | Yes | 9107.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 859671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5754 | Yes | Yes | 1.792 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.34 | 33.34 | 33.34 | 33.34 | 33.34 | 33.34 | No | No | (No Data) | 39995.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 859674 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0819 | Yes | Yes | 1.873 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.17 | 42.01 | 42.17 | 42.13 | 37.34 | 42.17 | No | No | (No Data) | 17438.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 36 months;<br> P & L - 24 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 859675 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5000 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.85 | 0 | 40.85 | 40.85 | 40.85 | (No Data) | (No Data) | (No Data) | 30677.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 72 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.40

**EXHIBIT 99.40**

**claYton rating agency grades report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-4** |
| **Start - End Dates:** | **11/12/2025 - 2/25/2026** |
| **Deal Loan Count:** | **44** |
| **Rating Agency Grades** | **Rating Agency Grades** |
| ***Loans in Report:*** | *44* |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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** |
| 852463 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 852531 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 852536 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 853416 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 853795 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 853796 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 854467 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854477 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A |
| 854834 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854835 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 856120 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 856124 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 857237 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 857238 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 857240 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 857242 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857243 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 857246 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 857247 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 857248 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857250 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857297 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 857367 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857369 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857776 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857777 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857779 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A |
| 857784 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 857786 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 857787 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 857931 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 858195 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 858209 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 858210 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 858211 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 858344 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 858525 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 858526 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 859236 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 859290 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 859643 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 859671 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 859674 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 859675 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.41

**EXHIBIT 99.41**

**claYton Valuations summary**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2026-4 |
| **Start - End Dates:** | 11/12/2025 - 2/25/2026 |
| **Deal Loan Count:** | 44 |
| **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *44* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | |  | **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** |
| 852463 | xxxxxx | $0.00 | xxxxxxx | 10/15/2025 | 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 |
| 852531 | xxxxxx | $0.00 | xxxxxxx | 09/15/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2025 | xxxxxx | xxxxxx | -9.84% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $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) |
| 852536 | xxxxxx | $0.00 | xxxxxxx | 09/17/2025 | 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% | 2.2 |
| 853416 | xxxxxx | $0.00 | xxxxxxx | 03/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/07/2025 | 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% | 1 |
| 853795 | xxxxxx | $0.00 | xxxxxxx | 09/18/2025 | 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% | 2.1 |
| 853796 | xxxxxx | $0.00 | xxxxxxx | 09/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | Other | 12/11/2025 | 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% | (No Data) |
| 854467 | xxxxxx | $0.00 | xxxxxxx | 11/15/2025 | 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% | 1.4 |
| 854477 | xxxxxx | xxxxxx | xxxxxxx | 11/07/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 854834 | xxxxxx | $0.00 | xxxxxxx | 11/05/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/08/2025 | 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% | (No Data) |
| 854835 | xxxxxx | $0.00 | xxxxxxx | 11/12/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/19/2025 | 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% | (No Data) |
| 856120 | xxxxxx | xxxxxx | xxxxxxx | 10/30/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/11/2025 | 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% | 1 |
| 856124 | xxxxxx | xxxxxx | xxxxxxx | 10/29/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/06/2025 | 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% | 1.8 |
| 857237 | xxxxxx | $0.00 | xxxxxxx | 12/11/2025 | 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% | 1.3 |
| 857238 | xxxxxx | $0.00 | xxxxxxx | 12/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | xxxxxx | 12/16/2025 | xxxxxx | xxxxxx | -0.47% | xxxxxx | 70 | xxxxxx | 12/18/2025 | 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) |
| 857240 | xxxxxx | xxxxxx | xxxxxxx | 12/10/2025 | 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 |
| 857242 | xxxxxx | $0.00 | xxxxxxx | 12/09/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/18/2025 | 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 |
| 857243 | xxxxxx | $0.00 | xxxxxxx | 11/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/19/2025 | 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% | 1 |
| 857246 | xxxxxx | $0.00 | xxxxxxx | 11/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/03/2025 | 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% | 1 |
| 857247 | xxxxxx | xxxxxx | xxxxxxx | 11/20/2025 | 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% | 1.4 |
| 857248 | xxxxxx | $0.00 | xxxxxxx | 12/02/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/15/2025 | xxxxxx | xxxxxx | -8.82% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $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) |
| 857250 | xxxxxx | xxxxxx | xxxxxxx | 11/05/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/04/2025 | 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) |
| 857297 | xxxxxx | $0.00 | xxxxxxx | 12/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/23/2025 | 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% | 2.9 |
| 857367 | xxxxxx | xxxxxx | xxxxxxx | 12/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 12/10/2025 | xxxxxx | xxxxxx | -4.23% | xxxxxx | 97 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $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 |
| 857369 | xxxxxx | xxxxxx | xxxxxxx | 12/10/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 12/18/2025 | xxxxxx | xxxxxx | -4.72% | xxxxxx | 95 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $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 |
| 857776 | xxxxxx | $0.00 | xxxxxxx | 12/17/2025 | 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% | 1.7 |
| 857777 | xxxxxx | $0.00 | xxxxxxx | 12/05/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/20/2025 | 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) |
| 857779 | xxxxxx | $0.00 | xxxxxxx | 12/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/19/2025 | 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% | (No Data) |
| 857784 | xxxxxx | $0.00 | xxxxxxx | 12/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/07/2026 | 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% | 4.6 |
| 857786 | xxxxxx | xxxxxx | xxxxxxx | 12/11/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/02/2026 | 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) |
| 857787 | xxxxxx | xxxxxx | xxxxxxx | 11/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 12/11/2025 | xxxxxx | xxxxxx | 1.82% | xxxxxx | 95 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 857931 | xxxxxx | $0.00 | xxxxxxx | 12/20/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/30/2025 | 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% | (No Data) |
| 858195 | xxxxxx | $0.00 | xxxxxxx | 01/07/2026 | 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% | xxxxxx | 01/14/2026 | xxxxxx | xxxxxx | 3.56% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 858209 | xxxxxx | xxxxxx | xxxxxxx | 12/11/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/23/2025 | 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% | (No Data) |
| 858210 | xxxxxx | $0.00 | xxxxxxx | 12/30/2025 | 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% | 2.3 |
| 858211 | xxxxxx | xxxxxx | xxxxxxx | 12/22/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/10/2026 | 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% | 1.1 |
| 858344 | xxxxxx | xxxxxx | xxxxxxx | 12/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/08/2026 | xxxxxx | xxxxxx | 0.88% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 858525 | xxxxxx | $0.00 | xxxxxxx | 06/27/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/24/2025 | 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) |
| 858526 | xxxxxx | $0.00 | xxxxxxx | 12/12/2025 | 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 |
| 859236 | xxxxxx | xxxxxx | xxxxxxx | 12/29/2025 | 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% | xxxxxx | 12/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 859290 | xxxxxx | $0.00 | xxxxxxx | 01/08/2026 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/15/2026 | 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% | 3.1 |
| 859643 | xxxxxx | $0.00 | xxxxxxx | 01/13/2026 | 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% | 2.2 |
| 859671 | xxxxxx | $0.00 | xxxxxxx | 01/07/2026 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/28/2026 | 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% | 3.1 |
| 859674 | xxxxxx | $0.00 | xxxxxxx | 01/19/2026 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/28/2026 | 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 |
| 859675 | xxxxxx | $0.00 | xxxxxxx | 01/13/2026 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/03/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.42

**EXHIBIT 99.42**

**DIGITAL RISK, LLC ("DIGITAL RISK") EXECUTIVE SUMMARY**

![](tm2611390d1_ex99-42img001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, VMC Asset Pooler, LLC. The review included a total of 82 newly originated residential mortgage loans, in connection with the securitization identified as Verus 2026-4 (the "Securitization"). The review began on December 1, 2025, and concluded on March 24, 2026.

The third-party due diligence services are intended to generally comply with currently known rating agency criteria for newly originated mortgage loans.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Moody's Investors Services, Inc. | &nbsp;&nbsp;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

a. <u>Review Initial & Final Application</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date,

b. <u>Review Approval Conditions</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of DSCR or qualification method and LTV calculations

c. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy Red Flags adequately addressed

d. <u>Verification of Borrower Original and Audit Credit Report</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

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

e. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

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

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

f. <u>Review Sales Contract</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

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

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

g. <u>Hazard and Flood (if applicable)</u> 

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

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

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

h. <u>Review Title Commitment/Policy</u> 

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

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

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

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

i. <u>Review Closing Documents</u>.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

**Compliance Review**

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

a. Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026,
as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise to the right of rescission under
TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments,
the payment schedule, the HOEPA disclosures;

b. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

c. Business Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Letter (must state that borrower(s) will not reside in the property for more than 14 days
on any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State Predatory lending and high cost when applicable

d. <u>Exclusions</u>. Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January 1,
2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

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

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

a. <u>Review Appraisal</u> 

b. Digital Risk's review will include a review of the valuation materials utilized during the origination
of the loan and in confirming the value of the underlying property. Digital Risk's review will include verifying the appraisal report:

c. On the appropriate appraisal form:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Completed such that the named client on the appraisal report is the lender or a related entity that is
permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains evidence
that Client approved use of that appraisal

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation
product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive value, Digital Risk will review
third-party products in the file to ensure the correct value was applied per Client Guidelines

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Other aspects of Digital Risk's review include (i) verifying that the address matched the mortgage
note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying
the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming
the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure
(a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property
is the one for which the valuation was ordered and that if there are negative external factors, there is support in the loan file of the
Client's approval to waive the factor; and (vi) confirming that the value product that was used as part of the origination
decision conforms with rating agency requirements.

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

e. Digital Risk will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser
both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review the appraisal for conformity to industry
standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were documented and that pictures
were provided and were accurate.

f. In addition, Digital Risk will access the ASC database to verify that the appraiser, and if applicable
the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.10% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;62 | &nbsp;&nbsp;75.61% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;19 | &nbsp;&nbsp;23.17% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.22% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;54 | &nbsp;&nbsp;$12320464.00 | &nbsp;&nbsp;65.85% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;28 | &nbsp;&nbsp;$12633744.00 | &nbsp;&nbsp;34.15% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;82 | &nbsp;&nbsp;$24954208.00 | &nbsp;&nbsp;100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;65 | &nbsp;&nbsp;$18718964.00 | &nbsp;&nbsp;79.27% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;17 | &nbsp;&nbsp;$6235244.00 | &nbsp;&nbsp;20.73% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;82 | &nbsp;&nbsp;$24954208.00 | &nbsp;&nbsp;100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;67 | &nbsp;&nbsp;$14917104.00 | &nbsp;&nbsp;81.71% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;15 | &nbsp;&nbsp;$10037104.00 | &nbsp;&nbsp;18.29% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;82 | &nbsp;&nbsp;$24954208.00 | &nbsp;&nbsp;100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;82 | &nbsp;&nbsp;$24954208.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;82 | &nbsp;&nbsp;$24954208.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.43

**EXHIBIT 99.43**

**DIGITAL RISK EXCEPTION REPORT**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Compensating Factors** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| xxxxxx | 858416 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/23/2026 9:56AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception to allow an eight-month look back and allow 75% of the eight months look back to be used as gross monthly rent for DSCR calculation. Current xxxxxx guidelines require a twelve-month look back required on STR loans to use 75% of the annual gross rents need rental income from 3 comps prepared by third-party property manager. Determined non- material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:31PM)<br> Determined non-material based on compensating factors (waived).<br>(Waived) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception to allow 71.027% LTV with a 98.5% investor concentration. Allow eighteen months STR management history in a different market xxxxxx vs xxxxxx. The current xxxxxx guidelines require a maximum LTV of 65% with 90% investor concentration and must show history of managing STR in the same market for twelve months. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:31PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan contains a CDA dated xxxxxx, which supports the appraised value.<br>**  | Compensating Factors: Fico score 774, DSCR greater than 1.25%, over two hundred twenty thousand in excess reserves and borrower also has investment experience on four REO properties.<br>Compensating Factors: Fico score 774, DSCR greater than 1.25%, over two hundred twenty thousand in excess reserves and borrower also has investment experience on four REO properties. | 1/7/2026 | 1/14/2026 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858417 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (01/28/2026 10:30AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) Program Parameters - Other- <br>Lender Exception provided to allow client to proceed without paying collection account over $2k. Determined non-material based on compensating (waived).<br>Response 1 (04/01/2026 1:39PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.<br>**  | Compensating Factors: Reserves exceed $200k, LTV 45.909% | 12/16/2025 | 12/23/2025 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858418 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/09/2026 5:08PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/29/2025 | 1/6/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858421 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/14/2026 10:30AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 12/30/2025 | 1/7/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858422 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) Federal - HOEPA (High Cost)/Points & Fees- <br>The loan failed the high-cost mortgage (HOEPA) points and fees threshold test due to the following: The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of thetotal loan amount of xxxxxx. The following points and fees were included in the calculation: Appraisal Review Fee xxxxxx, Mortgage Broker Fee xxxxxx, Points - Loan Discount Fee xxxxxx, Underwriting Fee xxxxxx.<br>Response 1 (12/22/2025 6:34AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) Program Parameters - Other- <br>Lender Exception provided to allow financing of property within a project converted from xxxxxx in 2005. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:38PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.2.<br>**  | Compensating Factors: LTV 70%, Residual Income exceeds $2500 | 12/12/2025 | 12/19/2025 | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 858423 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/14/2026 10:56AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 12/30/2025 | 1/7/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858424 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreementwas not executed by the Lender.<br>Response 1 (12/26/2025 1:42PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 12/16/2025 | 12/23/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858425 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/18/2025 1:35PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated. xxxxxx, which supports the appraised value.<br>**  |  | 12/8/2025 | 12/15/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858426 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) HUD1 - Not Final- <br>It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A<br>Response 1 (02/13/2026 9:40AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/09/2026 5:00PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 12/24/2025 | 1/5/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858427 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/06/2026 11:04AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>The final 1003 indicates the borrower is married and living in xxxxxx. xxxxxx is a community property state; guidelines require loans in community property states that the spouse also execute the guaranty agreement which was not located within the loan file.<br>Response 1 (01/05/2026 7:49AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/22/2025 | 12/30/2025 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858428 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/06/2026 10:27AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>The final1003 indicates the borrower is married and living in xxxxxx. xxxxxx is acommunity property state; guidelines require loans in community propertystates that the spouse also execute the guaranty agreement which was notlocated within the loan file.<br>Response 1 (01/05/2026 7:45AM)<br> Explanation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/22/2025 | 12/30/2025 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858429 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/06/2026 10:23AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>The final 1003 indicates the borrower is married and living in xxxxxx. xxxxxx is a community property state; guidelines require loans in community property states that the spouse also execute the guaranty agreement which was not located within the loan file.<br>Response 1 (01/05/2026 7:43AM)<br> Explanation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/22/2025 | 12/30/2025 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858430 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (12/26/2025 1:43PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Missing background check- <br>The required background check for xxxxxx is missing from the loan file.<br>Response 1 (12/23/2025 7:07PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 12/16/2025 | 12/23/2025 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858431 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/20/2026 11:42AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value.<br>**  |  | 1/8/2026 | 1/15/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858432 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/06/2026 10:21AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>The final 1003 indicates the borrower is married and living in xxxxxx. xxxxxx is a community property state; guidelines require loans in community property states that the spouse also execute the guaranty agreement which was not located within the loan file.<br>Response 1 (01/05/2026 7:41AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/22/2025 | 12/30/2025 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858433 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/28/2026 10:11AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 12/24/2025 | 1/5/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858434 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/06/2026 10:18AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/22/2025 | 12/30/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858435 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/31/2025 11:52AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of this documentation for the non-borrowing guarantor, xxxxxx, as required.<br>Response 1 (12/29/2025 5:42PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/18/2025 | 12/29/2025 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858436 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (01/09/2026 5:10PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 12/29/2025 | 1/6/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858437 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Acknowledged) State Regulations- <br>State Regulations. This loan has a prepayment term. Under xxxxxx. Comp. Laws Ann. §438.31c(2)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of 1% of the amount of any prepayment made within 3 years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time.<br>(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/31/2025 11:50AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) DSCR - Program Parameters - Other- <br>Lender Exception provided to "allow to finance a property located in a xxxxxx ." Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:34PM)<br> Determined non-material based on compensating factors (waived).<br>(Clear) Hazard Insurance - All Perils- <br>The hazard policy provided does not reflect "all" perils coverage.<br>Response 1 (01/02/2026 12:39PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Comp factors: Has owned primary > 15 years; 3 plus properties; Experienced investor. | 12/18/2025 | 12/29/2025 | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| xxxxxx | 858438 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Acknowledged) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 12/23/2025 | 1/2/2026 | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858439 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Acknowledged) Federal - HPML APR/Compliant- <br>The loan failed the Federal HPML APR test. Using the greater of the disclosed APR 8.153% and the calculated APR 8.080%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: xxxxxx. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met.<br>**  | **(Waived) Assets - Minimum Reserves- <br>Assets were required in the amount of $52382 ($3040 EMD/opt Fee + $32533 funds due at closing + $16214 reserves). Assets were verified in the amount of $47146 (xxxxxx $46377 + xxxxxx $769) resulting in short reserves in the amount of $5236.<br>Response 1 (12/19/2025 8:48AM)<br> Waiver granted by Investor. (Waived)<br>(Waived) Program Parameters - Other- <br>Borrower is a first time homebuyer. Per the guidelines for first time homebuyers purchasing a primary payment shock maximum is 300% when the DTI exceeds 36%. The calculated DTI at audit is 41.382% and borrower lived rent free contributing no rental payments to there current residence therefore payment shock exceeds the guideline max of 300%.<br>Response 1 (12/19/2025 8:48AM)<br> Waiver granted by Investor. (Waived)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2.<br>**  | 750 score. $4,135 per month residual income. 41.382% DTI.<br>750 score. $4,135 per month residual income. 41.382% DTI. | 12/8/2025 | 12/15/2025 | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| xxxxxx | 858440 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/07/2026 9:10AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2.4.<br>**  |  | 12/23/2025 | 1/2/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858441 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Acknowledged) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>(Acknowledged) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 12/22/2025 | 12/31/2025 | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858442 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Acknowledged) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv).<br>(Acknowledged) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 12/30/2025 | 1/7/2026 | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858443 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/18/2025 1:13PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 12/9/2025 | 12/16/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858444 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/06/2026 11:19AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Acknowledged) State Testing - Prepayment Penalty- <br>This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of xxxxxx allows for a maximum 0 months prepayment term, the loan has a 12 month prepayment term. The loan fails the prepayment test by 12 months. Borrower is an LLC.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/22/2025 | 12/31/2025 | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858445 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/05/2026 10:02AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception to allow changes to the entities ownership percentages after the initial application date which requires management approval. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:29PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Compensating Factors: 12 mons reserves, FICO greater than 720 | 12/22/2025 | 12/31/2025 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858446 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/18/2025 12:43PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>Guidelines require all guarantors to provide the following: 1) A limitedapplication that includes their name, address, date of birth, social securitynumber, and citizenship 2) An authorization to obtain a credit report andbackground report 3) Identification documentation as in a driver's license,passport, or similar. These could not be located within the loan file for xxxxxx xxxxxx (50% ownership of xxxxxx Holdings, LLC).<br>Response 1 (12/16/2025 10:30PM)<br> Still missing photo ID an credit report for xxxxxx xxxxxx. (Upheld)<br>Response 2 (12/19/2025 9:02AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/8/2025 | 12/15/2025 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858447 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/26/2025 2:23PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Security Instrument - Incomplete- <br>The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Notary Acknowledgement. The notary did not confirm if the individual was personally known to them or if they produced their drivers license as identification.<br>Response 1 (12/29/2025 12:37PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/17/2025 | 12/24/2025 | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858448 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Acknowledged) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>**  | **(Clear) Debts - Not Verified- <br>The loan file is missing proof of HOI for the property at xxxxxx.<br>Response 1 (01/12/2026 4:20PM)<br> Doc provided. (Resolved)<br>(Clear) Assets - Other- <br>The loan file is missing terms of withdrawal for the xxxxxx 401K<br>Response 1 (01/12/2026 4:21PM)<br> Terms of withdrawal provided. (Resolved)<br>(Clear) DTI - Exceeds Guidelines- <br>The audited DTI of 50.882% exceeds the program maximum of 50%. The variance is due to the lender using an income calc for borrower 1 that is not supported by documentation in file. Per the lenders income calculation worksheet the borrowers gross YTD was averaged with 2024 W2 gross. The 2025 YTD includes OT, however the file lacks evidence that the borrower has a history of OT income at previous employers.<br>Response 2 (01/12/2026 4:27PM)<br> Upon Senior Management review the borrower is a xxxxxx and earns shift differential and is supported by current and prior job. Income is valid. (Resolved)<br>Response 1 (12/30/2025 11:31AM)<br> The borrower is hourly and on the job 1 year. Qualification was based upon 40 hours. Letter from Employer to reflect consistent additional hours required, as YTD is only slightly higher, with prior year much lower. (Upheld)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 12/18/2025 | 12/29/2025 | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| xxxxxx | 858449 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/07/2026 9:33AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 12/23/2025 | 1/2/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858450 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) TRID - Initial LE/Delivery Date (from application)- <br>The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on xxxxxx was not disclosed within 3 days of the application date, xxxxxx. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A)<br>Response 1 (12/19/2025 1:38PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) TRID - Zero Tolerance Violation (Disclosure Timing Fail)- <br>The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Mortgage Broker Fee $7,312.50, Underwriting Fee $1,395.00, Appraisal Fee $665.00, Inspection Fee $175.00, Appraisal Review Fee $125.00, Credit Report Fee $188.00, Trust/POA $25.00, Transfer Taxes xxxxxx. A cost to cure in the amount of $14,907.00 is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>Response 1 (12/19/2025 1:39PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) TRID - 10% Tolerance Violation (Disclosure Timing Fail)- <br>The loan failed the charges that in total cannot increase more than 10% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Closing Protection Letter Fee $25.00, Courier / Messenger Fee $40.00, Lender's Title Insurance Policy $775.00, Settlement or Closing Fee $895.00, Title Examination Fee $200.00, Recording Fee $171.50. A cost to cure in the amount of $2,106.50 is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>Response 1 (12/19/2025 1:39PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Acknowledged) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>(Acknowledged) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>**  | **(Clear) Hazard Insurance - All Perils- <br>Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent.<br>Response 1 (12/19/2025 9:10AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 12/10/2025 | 12/17/2025 | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 858451 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) Federal - HOEPA (High Cost)/Points & Fees- <br>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. The following points and fees were included in the calculation: Appraisal Review Fee xxxxxx, Mortgage Broker Fee xxxxxx, Points - Loan Discount Fee xxxxxx, Processing Fee xxxxxx, Underwriting Fee xxxxxx.<br>Response 1 (01/07/2026 12:25PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) Program Parameters - Other- <br>The lender provided an exception to allow the borrowers to accept tradelines rated at 22 mos as opposed to 24 mos. Considered non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:27PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  | Compensating factors: Low LTV, 738 FICO | 12/29/2025 | 1/6/2026 | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 858452 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Acknowledged) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>(Acknowledged) TRID - CD - Section B incorrect payee- <br>The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Condo Questionnaire Fee, Credit Report Fee, Verification Fee. However, these fees should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value.<br>**  |  | 12/29/2025 | 1/6/2026 | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858453 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/22/2025 9:41AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value.<br>**  |  | 12/12/2025 | 12/19/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858454 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Acknowledged) State Regulations- <br>State Regulations. Under xxxxxx. Comp. Laws Ann. §438.31c(2)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of 1% of the amount of any prepayment made within 3 years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time.<br>(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/22/2025 9:43AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports appraised value.<br>**  |  | 12/12/2025 | 12/19/2025 | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858455 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/26/2026 9:05AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) DSCR - Program Parameters - Other- <br>Lender Exception provided to allow appraisal as is without corrections due to transferred appraisal and broker unable to request corrections. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:36PM)<br> Determined non-material based on compensating factors (waived).<br>(Clear) Hazard Insurance - All Perils- <br>Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent.<br>Response 1 (01/26/2026 12:52PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains cda dated xxxxxx which supports the appraised value.<br>**  | comp factors dscr 1.344 ltv 71.4 experienced investor | 1/13/2026 | 1/21/2026 | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 858456 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/13/2026 10:09AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Hazard Insurance - All Perils- <br>The hazard policy provided does not reflect "all" perils coverage.<br>Response 1 (01/13/2026 8:06AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/30/2025 | 1/7/2026 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858457 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/26/2025 7:32AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Note - Incomplete- <br>The following section(s) of the Note incomplete: The Loan Agreement was not completed accurately. Pages 1, 4 and 9 are illegible.<br>Response 1 (12/26/2025 7:32AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 12/16/2025 | 12/23/2025 | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858458 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/17/2025 | 12/24/2025 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 858459 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/29/2025 | 1/6/2026 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 858460 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx supportive of value.<br>**  |  | 12/24/2025 | 1/5/2026 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 858462 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (12/22/2025 9:47AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.3.<br>**  |  | 12/12/2025 | 12/19/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858463 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/09/2026 5:24PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/24/2025 | 1/5/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858464 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section(s) of the Note is incomplete: Loan Agreement. Page 12 is missing which includes borrower and lender signature.<br>Response 1 (12/17/2025 9:42AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>The loan file is missing the required entity background search for, xxxxxx, to include liens and jdugments search. Additional conditions may apply.<br>Response 1 (12/16/2025 10:25PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which support the appraised value.<br>**  |  | 12/8/2025 | 12/15/2025 | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858465 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/09/2026 5:12PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Security Instrument - Incomplete- <br>The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary did not disclose if the acknowledgment was done by someone "personally known" or "produced identification"<br>Response 1 (01/07/2026 10:41AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU is 1.<br>**  |  | 12/24/2025 | 1/5/2026 | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858466 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Acknowledged) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected a Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>**  | **(Waived) Program Parameters - Other- <br>Lender Exception provided to all borrower to proceed with interest only loan with a DTI that exceeds max allowed of 45% up to 50%. Determined non-material based on compensating factors (waived)<br>Response 1 (04/01/2026 1:39PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.<br>**  | Compensating Factors: Bwr employed with same employer for 15 years; Primary residence transaction and Bwrs have owned former primary for 13 years; 12 months reserves when only 6 months required. No mortgage or revolving lates last 24 months. | 12/12/2025 | 12/19/2025 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858467 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/09/2026 5:28PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Acknowledged) State Testing - Prepayment Penalty- <br>This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of xxxxxx allows for a maximum 0 months prepayment term, the loan has a 60 month prepayment term. The loan fails the prepayment test by 60 months. Borrower is an LLC.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/24/2025 | 1/5/2026 | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858468 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/22/2025 | 12/31/2025 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 858470 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/18/2025 12:58PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/8/2025 | 12/15/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858471 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/05/2026 10:14AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.<br>**  |  | 12/22/2025 | 12/30/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858472 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) HUD1 - Not Final- <br>It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. The latest printed HUD-1 was not signed by borrower or stamped as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A<br>Response 1 (02/13/2026 9:45AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/20/2026 10:46AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Note - Incomplete- <br>The following section(s) of the Note is incomplete: Loan Agreement Exhibit A is missing page 1.<br>Response 1 (01/15/2026 10:39AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Contract Addendum - Missing- <br>The HUD-1 provided in the loan file reflects a seller credit to the buyer for $7500. The purchase agreement does not reflect seller to pay any of the buyer's closing costs and no addendum to the purchase agreement was provided to confirm seller paid closing costs.<br>Response 1 (01/21/2026 10:25AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports appraised value.<br>**  |  | 1/6/2026 | 1/13/2026 | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858473 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/09/2026 5:16PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Security Instrument - Incomplete- <br>The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary did not disclose if the acknowledgement occurred "personally before" or "remotely online."<br>Response 1 (01/07/2026 10:36AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) DSCR - Program Parameters - Other- <br>Lender Exception provided to allow xxxxxx project currently involved in litigation. Suit by one of the xxxxxx owners due to xxxxxx. This is not the subject property. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:32PM)<br> Determined non-material based on compensating factors (waived).<br>(Waived) DSCR - Program Parameters - Other- <br>Lender Exception provided to allow a non-warrantable condo for borrower with 676 Fico when the minimum requirement is 680. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:32PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.<br>**  | comp factor: reserves over 12 months experienced investor in over 5 years in primary<br>Comp factors: experienced, 12 months of reserves and primary over 5 years | 12/24/2025 | 1/5/2026 | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 858474 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Security Instrument - Incomplete- <br>The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page one of the Security Instrument is missing.<br>Response 1 (12/30/2025 3:08PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/30/2025 3:08PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception for the subject property being listed within 90 days of closing for a cash out refinance. xxxxxx guidelines state subject property must be seasoned for 90 days prior to the application date. Recently listed property listed in the last 90 days are allowed by exception only. Lender using the lower of the appraised value. The subject property was listed due to a divorce per court order our borrower is able to retain the property and refinance. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:29PM)<br> Determined non-material based on compensating factors (waived).<br>(Clear) DSCR - Program Parameters - Other- <br>The loan file is missing the required entity background search for the entity, xxxxxx, to include liens and judgments search. Additional conditions may apply.<br>Response 1 (12/30/2025 11:33AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  | Compensating Factors: Experienced investor, fico score is 20 points greater than minimum fico socre. | 12/18/2025 | 12/29/2025 | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 858475 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/26/2025 2:25PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 12/17/2025 | 12/24/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858476 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/19/2025 5:47PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated xxxxxx which supports appraised value.<br>**  |  | 12/12/2025 | 12/19/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858477 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) TRID - 10% Tolerance Violation (No Valid COC)- <br>The loan failed the charges that in total cannot increase more than 10% test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Land Survey Fee. A cost to cure in the amount of $429.80 is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery.<br>Response 1 (01/29/2026 1:02PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) Assets - Bank Statements- <br>The loan file is missing 2 consecutive months statements for xxxxxx. The document in file, dated 12/2/25 is only a summary which does not show a date range.<br>Response 1 (01/29/2026 5:24PM)<br> Removing account xxxxxx leaves the borrower short $19,493 in assets. xxxxxx - $129893, xxxxxx - $15686 Total - $145,579 Cash to close $129,478 + POC $670 and Reserves 12 months x $2910 = $34,924 for a total of assets needed $165,072. We are short $19,493. We need that other account but need two months statements unless they waive the requirement for the second month statement on that account. (Upheld)<br>Response 2 (01/30/2026 1:29PM)<br> Client request to waive based on compensating factors. (Waived)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  | Comp factors - On job for 15 years, 10 years at present address and low DTI of 34.503%. | 1/16/2026 | 1/26/2026 | 3 | 2 | 4 | 2 | 3 | 1 | 1 | 1 C B D A |
| xxxxxx | 858479 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/06/2026 9:42AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 12/22/2025 | 12/30/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858480 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/26/2025 1:37PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception to allow changes to the business ownership after the initial application date, guidelines require management approval for changes after the application date. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:35PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Compensating Factors: 12+ mons reserves, experienced investor | 12/16/2025 | 12/23/2025 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858481 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/14/2026 10:17AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) DSCR - Program Parameters - Other- <br>Lender Exception provided to allow inexperienced investor to exceed 75% LTV. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:35PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.2.<br>**  | Compensating Factors: FICO 808, 15 year plus credit history. | 12/31/2025 | 1/8/2026 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858482 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/8/2025 | 12/15/2025 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 858483 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/12/2026 5:31PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 12/30/2025 | 1/7/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858484 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/09/2026 6:02PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/23/2025 | 1/2/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858485 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/09/2026 5:03PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Appraisal - Missing required 1004 D- <br>The appraisal was completed as "Subject To" the letter of compliance from City of xxxxxx but there is no 1004D appraisal in the loan file to verify the appraiser cleared the appraisal to As-Is condition.<br>Response 1 (01/07/2026 10:16AM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) DSCR - Program Parameters - Other- <br>Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for xxxxxx xxxxxx (50% ownership of LLC).<br>Response 1 (01/07/2026 10:18AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/24/2025 | 1/5/2026 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858486 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/18/2025 10:09AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>The loan file is missing the required entity background search for the entity, xxxxxx, to include liens and judgments search. Additional conditions may apply.<br>Response 1 (12/16/2025 10:18PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value.<br>**  |  | 12/8/2025 | 12/15/2025 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858487 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Acknowledged) HUD1 - Not Final- <br>It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. The HUD-1 in the file states it is the borrowers estimated statement and has not been signed by borrower or stamped as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A<br>(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/31/2025 11:04AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/18/2025 | 12/29/2025 | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858488 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) ROR - Non-Borrower/Missing- <br>The file contains no evidence that the Right to Cancel was provided to the non-borrower.<br>Response 1 (01/12/2026 1:01PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 12/30/2025 | 1/7/2026 | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858489 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Acknowledged) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>**  | **(Waived) Program Parameters - Other- <br>The loan file contains a lender exception to allow borrower who is the primary wage earner to proceed with only a twenty-two-month history of self- employment. xxxxxx guidelines guidelines state on the 12-month bank statement income feature requires a minimum of a two-year history of self-employment in the current business. Determined non-material based on compensating factors (waived)<br>Response 1 (04/01/2026 1:33PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  | Compensating Factors: Primary purchase with 6 year ownership of departure residence; fico score 720, 7+ years on job; residual income of three thousand a month. | 1/5/2026 | 1/12/2026 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858490 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/09/2026 5:26PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Hazard Insurance - All Perils- <br>Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent.<br>Response 1 (01/07/2026 9:35AM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Credit Report - Other- <br>A gap credit or Undisclosed Debt Monitoring was missing from the loan file for our review. Additional conditions may apply.<br>Response 1 (01/07/2026 9:35AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx supportive of value.<br>**  |  | 12/24/2025 | 1/5/2026 | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858491 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/18/2025 1:31PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/5/2025 | 12/12/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858492 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/22/2025 9:45AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 12/12/2025 | 12/19/2025 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858493 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (12/23/2025 9:51AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Acknowledged) State Testing - Prepayment Penalty- <br>This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of xxxxxx allows for a maximum 0 months prepayment term, the loan has a 60 month prepayment term. The loan fails the prepayment test by 60 months. Borrower is an LLC.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is 1<br>**  |  | 12/15/2025 | 12/22/2025 | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858494 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/09/2026 6:17PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Waived) DSCR - Program Parameters - Other- <br>The loan file contains an exception to allow a cash-out refinance when the subject property was listed for sale in the past 6 months. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:37PM)<br> Determined non-material based on compensating factors (waived).<br>(Clear) DSCR - Program Parameters - Other- <br>Guidelines state the lessor amount of the lease or market rent to be utilized for the DSCR calculation; The lease was utilized for the DSCR calculation at $1,400.00 a month but the full lease including the address of the property, names, dates, and amount.<br>Response 1 (01/08/2026 1:49PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Compensating Factors: DSCR >1.25, LTV 41% | 12/29/2025 | 1/6/2026 | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 858495 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) TRID - Loan Estimate/Missing- <br>There is no evidence of a complete Loan Estimate provided in the loan file. As a result testing for timing and tolerance could not be completed. CFPB Title 12, Part 1026.19<br>Response 1 (01/09/2026 4:37PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Acknowledged) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>**  | **(Waived) Program Parameters - Other- <br>Lender Exception provided to proceed with a DTI that exceeds the max DTI of 43% for asset income qualifier. Determined non-material based on compensating factors (waived).<br>Response 1 (04/01/2026 1:38PM)<br> Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.<br>**  | Compensating Factors: FICO 806, Excess reserves exceed 100 months. | 12/30/2025 | 1/7/2026 | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 859300 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/28/2026 10:52AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated xxxxxx which supports the appraised value.<br>**  |  | 1/20/2026 | 1/27/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 859301 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/28/2026 10:06AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 1/16/2026 | 1/26/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 859302 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/28/2026 10:59AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated xxxxxx which supports the appraised value.<br>**  |  | 1/20/2026 | 1/27/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 859303 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/28/2026 11:01AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.3.<br>**  |  | 1/20/2026 | 1/27/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 859304 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report. The loan file is missing the required documentation for xxxxxx (50% ownership of xxxxxx.<br>Response 1 (01/29/2026 5:26PM)<br> Docs provided as required. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 1/20/2026 | 1/28/2026 | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 859305 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/28/2026 10:50AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 1/20/2026 | 1/27/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 859306 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (01/28/2026 10:01AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 1/12/2026 | 1/15/2026 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |

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| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| xxxxxx | 858450 | 1 of 7 | xxxxxx | xxxxxx | 12/10/2025 | 12/17/2025 | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | xxxxxx | The loan failed the charges that in total cannot increase more than 10% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Closing Protection Letter Fee $25.00, Courier / Messenger Fee $40.00, Lender's Title Insurance Policy $775.00, Settlement or Closing Fee $895.00, Title Examination Fee $200.00, Recording Fee $171.50. A cost to cure in the amount of $2,106.50 is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (12/17/2025 3:26PM)<br> Application date xxxxxx. Please see initial LE attached<br>**  | **Response 1 (12/19/2025 1:39PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858450 | 2 of 7 | xxxxxx | xxxxxx | 12/10/2025 | 12/17/2025 | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858450 | 3 of 7 | xxxxxx | xxxxxx | 12/10/2025 | 12/17/2025 | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858450 | 4 of 7 | xxxxxx | xxxxxx | 12/10/2025 | 12/17/2025 | Compliance | TRID - Initial LE/Delivery Date (from application) | xxxxxx | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on xxxxxx was not disclosed within 3 days of the application date, xxxxxx. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) | Resolved | **Rebuttal 1 (12/17/2025 3:25PM)<br> Application date xxxxxx. Please see initial LE attached<br>**  | **Response 1 (12/19/2025 1:38PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858450 | 5 of 7 | xxxxxx | xxxxxx | 12/10/2025 | 12/17/2025 | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | xxxxxx | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Mortgage Broker Fee $7,312.50, Underwriting Fee $1,395.00, Appraisal Fee $665.00, Inspection Fee $175.00, Appraisal Review Fee $125.00, Credit Report Fee $188.00, Trust/POA $25.00, Transfer Taxes xxxxxx. A cost to cure in the amount of $14,907.00 is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (12/17/2025 3:25PM)<br> Application date xxxxxx. Please see initial LE attached<br>**  | **Response 1 (12/19/2025 1:39PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858450 | 6 of 7 | xxxxxx | xxxxxx | 12/10/2025 | 12/17/2025 | Credit | Hazard Insurance - All Perils | xxxxxx | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (12/17/2025 4:22PM)<br> attached <br>**  | **Response 1 (12/19/2025 9:10AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858450 | 7 of 7 | xxxxxx | xxxxxx | 12/10/2025 | 12/17/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858451 | 1 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Compliance | Federal - HOEPA (High Cost)/Points & Fees | xxxxxx | 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. The following points and fees were included in the calculation: Appraisal Review Fee xxxxxx, Mortgage Broker Fee xxxxxx, Points - Loan Discount Fee xxxxxx, Processing Fee xxxxxx, Underwriting Fee xxxxxx. | Resolved | **Rebuttal 1 (01/07/2026 12:24PM)<br> Docs uploaded.<br>**  | **Response 1 (01/07/2026 12:25PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858451 | 2 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Credit | Program Parameters - Other | xxxxxx | The lender provided an exception to allow the borrowers to accept tradelines rated at 22 mos as opposed to 24 mos. Considered non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:27PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating factors: Low LTV, 738 FICO |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858451 | 3 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858482 | 1 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858482 | 2 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858482 | 3 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858483 | 1 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/12/2026 5:21PM)<br> Docs uploaded.<br>**  | **Response 1 (01/12/2026 5:31PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858483 | 2 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858483 | 3 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858484 | 1 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/09/2026 10:19AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 6:02PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858484 | 2 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858484 | 3 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858485 | 1 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/09/2026 9:41AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 5:03PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858485 | 2 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | Appraisal - Missing required 1004 D | xxxxxx | The appraisal was completed as "Subject To" the letter of compliance from City of xxxxxx but there is no 1004D appraisal in the loan file to verify the appraiser cleared the appraisal to As-Is condition. | Resolved | **Rebuttal 1 (01/05/2026 7:44PM)<br> Please see attached appraisal with As-Is condition. The Subject To was dependent on "Letter of compliance from City of xxxxxx". The appraiser received the letter and updated the appraisal to As-Is condition.<br>**  | **Response 1 (01/07/2026 10:16AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858485 | 3 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | DSCR - Program Parameters - Other | xxxxxx | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for xxxxxx xxxxxx (50% ownership of LLC). | Resolved | **Rebuttal 1 (01/05/2026 7:38PM)<br> attached <br>**  | **Response 1 (01/07/2026 10:18AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858485 | 4 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858486 | 1 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/18/2025 10:06AM)<br> Docs uploaded.<br>**  | **Response 1 (12/18/2025 10:09AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858486 | 2 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file is missing the required entity background search for the entity, xxxxxx, to include liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (12/15/2025 3:28PM)<br> See the attached<br>**  | **Response 1 (12/16/2025 10:18PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858486 | 3 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858487 | 1 of 4 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Compliance | HUD1 - Not Final | xxxxxx | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. The HUD-1 in the file states it is the borrowers estimated statement and has not been signed by borrower or stamped as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858487 | 2 of 4 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/31/2025 11:01AM)<br> Docs uploaded.<br>**  | **Response 1 (12/31/2025 11:04AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 858487 | 3 of 4 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858487 | 4 of 4 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858488 | 1 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Compliance | ROR - Non-Borrower/Missing | xxxxxx | The file contains no evidence that the Right to Cancel was provided to the non-borrower. | Resolved | **Rebuttal 1 (01/08/2026 12:41PM)<br> The recorded deed that is attached relinquishes xxxxxx interest. the document is not required<br>**  | **Response 1 (01/12/2026 1:01PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858488 | 2 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858488 | 3 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858474 | 1 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/30/2025 3:07PM)<br> Docs uploaded.<br>**  | **Response 1 (12/30/2025 3:08PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 858474 | 2 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Compliance | Security Instrument - Incomplete | xxxxxx | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page one of the Security Instrument is missing. | Resolved | **Rebuttal 1 (12/29/2025 5:04PM)<br> Please see attached SECI page 1.<br>Rebuttal 2 (12/30/2025 3:07PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **Response 1 (12/30/2025 3:08PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858474 | 3 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file is missing the required entity background search for the entity, xxxxxx, to include liens and judgments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (12/29/2025 5:04PM)<br> Please see attached UCC search for xxxxxx. <br>**  | **Response 1 (12/30/2025 11:33AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858474 | 4 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception for the subject property being listed within 90 days of closing for a cash out refinance. xxxxxx guidelines state subject property must be seasoned for 90 days prior to the application date. Recently listed property listed in the last 90 days are allowed by exception only. Lender using the lower of the appraised value. The subject property was listed due to a divorce per court order our borrower is able to retain the property and refinance. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:29PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: Experienced investor, fico score is 20 points greater than minimum fico socre. |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858474 | 5 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858464 | 1 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Compliance | Note - Incomplete | xxxxxx | The following section(s) of the Note is incomplete: Loan Agreement. Page 12 is missing which includes borrower and lender signature. | Resolved | **Rebuttal 1 (12/15/2025 4:28PM)<br> signed LA<br>**  | **Response 1 (12/17/2025 9:42AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858464 | 2 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file is missing the required entity background search for, xxxxxx, to include liens and jdugments search. Additional conditions may apply. | Resolved | **Rebuttal 1 (12/15/2025 3:15PM)<br> background<br>**  | **Response 1 (12/16/2025 10:25PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858464 | 3 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which support the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858468 | 1 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858468 | 2 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858468 | 3 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858445 | 1 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/05/2026 10:00AM)<br> Docs uploaded.<br>**  | **Response 1 (01/05/2026 10:02AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 858445 | 2 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception to allow changes to the entities ownership percentages after the initial application date which requires management approval. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:29PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: 12 mons reserves, FICO greater than 720 |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858445 | 3 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858453 | 1 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/22/2025 9:41AM)<br> Documents provided.<br>**  | **Response 1 (12/22/2025 9:41AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858453 | 2 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858453 | 3 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858446 | 1 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/18/2025 12:41PM)<br> Docs uploaded.<br>**  | **Response 1 (12/18/2025 12:43PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858446 | 2 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | Guidelines require all guarantors to provide the following: 1) A limitedapplication that includes their name, address, date of birth, social securitynumber, and citizenship 2) An authorization to obtain a credit report andbackground report 3) Identification documentation as in a driver's license,passport, or similar. These could not be located within the loan file for xxxxxx xxxxxx (50% ownership of xxxxxx xxxxxx). | Resolved | **Rebuttal 1 (12/15/2025 2:58PM)<br> guarantor docs <br>Rebuttal 2 (12/17/2025 10:09AM)<br> all of guarantor docs<br>**  | **Response 1 (12/16/2025 10:30PM)<br> Still missing photo ID an credit report for xxxxxx xxxxxx. (Upheld)<br>Response 2 (12/19/2025 9:02AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858446 | 3 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858447 | 1 of 4 | xxxxxx | xxxxxx | 12/17/2025 | 12/24/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/26/2025 2:23PM)<br> Docs uploaded.<br>**  | **Response 1 (12/26/2025 2:23PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858447 | 2 of 4 | xxxxxx | xxxxxx | 12/17/2025 | 12/24/2025 | Compliance | Security Instrument - Incomplete | xxxxxx | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Notary Acknowledgement. The notary did not confirm if the individual was personally known to them or if they produced their drivers license as identification. | Resolved | **Rebuttal 1 (12/24/2025 4:54PM)<br> attached<br>**  | **Response 1 (12/29/2025 12:37PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858447 | 3 of 4 | xxxxxx | xxxxxx | 12/17/2025 | 12/24/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858447 | 4 of 4 | xxxxxx | xxxxxx | 12/17/2025 | 12/24/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858416 | 1 of 4 | xxxxxx | xxxxxx | 1/7/2026 | 1/14/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/23/2026 9:52AM)<br> Docs uploaded.<br>**  | **Response 1 (01/23/2026 9:56AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 858416 | 2 of 4 | xxxxxx | xxxxxx | 1/7/2026 | 1/14/2026 | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception to allow 71.027% LTV with a 98.5% investor concentration. Allow eighteen months STR management history in a different market xxxxxx vs xxxxxx. The current xxxxxx guidelines require a maximum LTV of 65% with 90% investor concentration and must show history of managing STR in the same market for twelve months. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:31PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: Fico score 774, DSCR greater than 1.25%, over two hundred twenty thousand in excess reserves and borrower also has investment experience on xxxxxx REO properties. |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858416 | 3 of 4 | xxxxxx | xxxxxx | 1/7/2026 | 1/14/2026 | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception to allow an eight-month look back and allow 75% of the eight months look back to be used as gross monthly rent for DSCR calculation. Current xxxxxx guidelines require a twelve-month look back required on STR loans to use 75% of the annual gross rents need rental income from 3 comps prepared by third-party property manager. Determined non- material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:31PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: Fico score 774, DSCR greater than 1.25%, over two hundred twenty thousand in excess reserves and borrower also has investment experience on xxxxxx REO properties. |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858416 | 4 of 4 | xxxxxx | xxxxxx | 1/7/2026 | 1/14/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858472 | 1 of 5 | xxxxxx | xxxxxx | 1/6/2026 | 1/13/2026 | Compliance | HUD1 - Not Final | xxxxxx | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. The latest printed HUD-1 was not signed by borrower or stamped as final. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Resolved | **Rebuttal 1 (02/13/2026 9:42AM)<br> Final HUD<br>**  | **Response 1 (02/13/2026 9:45AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858472 | 2 of 5 | xxxxxx | xxxxxx | 1/6/2026 | 1/13/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/16/2026 1:01PM)<br> Docs uploaded.<br>**  | **Response 1 (01/20/2026 10:46AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858472 | 3 of 5 | xxxxxx | xxxxxx | 1/6/2026 | 1/13/2026 | Compliance | Note - Incomplete | xxxxxx | The following section(s) of the Note is incomplete: Loan Agreement Exhibit A is missing page 1. | Resolved | **Rebuttal 1 (01/13/2026 4:02PM)<br> attached <br>**  | **Response 1 (01/15/2026 10:39AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858472 | 4 of 5 | xxxxxx | xxxxxx | 1/6/2026 | 1/13/2026 | Credit | Contract Addendum - Missing | xxxxxx | The HUD-1 provided in the loan file reflects a seller credit to the buyer for $7500. The purchase agreement does not reflect seller to pay any of the buyer's closing costs and no addendum to the purchase agreement was provided to confirm seller paid closing costs. | Resolved | **Rebuttal 1 (01/16/2026 2:47PM)<br> Please note #57 (p10) of the attached<br>**  | **Response 1 (01/21/2026 10:25AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858472 | 5 of 5 | xxxxxx | xxxxxx | 1/6/2026 | 1/13/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858471 | 1 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/05/2026 10:12AM)<br> Docs uploaded.<br>**  | **Response 1 (01/05/2026 10:14AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858471 | 2 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858471 | 3 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858470 | 1 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/18/2025 12:56PM)<br> Docs uploaded.<br>**  | **Response 1 (12/18/2025 12:58PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858470 | 2 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858470 | 3 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858473 | 1 of 5 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/09/2026 10:15AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 5:16PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 858473 | 2 of 5 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | Security Instrument - Incomplete | xxxxxx | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary did not disclose if the acknowledgement occurred "personally before" or "remotely online." | Resolved | **Rebuttal 1 (01/05/2026 6:13PM)<br> attached <br>**  | **Response 1 (01/07/2026 10:36AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858473 | 3 of 5 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | DSCR - Program Parameters - Other | xxxxxx | Lender Exception provided to allow a non-warrantable condo for borrower with 676 Fico when the minimum requirement is 680. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:32PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Comp factors: experienced, 12 months of reserves and primary over 5 years |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858473 | 4 of 5 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | DSCR - Program Parameters - Other | xxxxxx | Lender Exception provided to allow xxxxxx project currently involved in litigation. Suit by one of the xxxxxx owners due to xxxxxx. This is not the subject property. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:32PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | comp factor: reserves over 12 months experienced investor in over 5 years in primary |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858473 | 5 of 5 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858465 | 1 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/09/2026 10:14AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 5:12PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858465 | 2 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | Security Instrument - Incomplete | xxxxxx | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary did not disclose if the acknowledgment was done by someone "personally known" or "produced identification" | Resolved | **Rebuttal 1 (01/05/2026 6:31PM)<br> attached<br>**  | **Response 1 (01/07/2026 10:41AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858465 | 3 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858465 | 4 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU is 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858463 | 1 of 3 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/09/2026 10:17AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 5:24PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858463 | 2 of 3 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858463 | 3 of 3 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858462 | 1 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (12/22/2025 9:47AM)<br> Documents provided.<br>**  | **Response 1 (12/22/2025 9:47AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858462 | 2 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858462 | 3 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.3. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858460 | 1 of 3 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858460 | 2 of 3 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858460 | 3 of 3 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858459 | 1 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858459 | 2 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858459 | 3 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858458 | 1 of 3 | xxxxxx | xxxxxx | 12/17/2025 | 12/24/2025 | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858458 | 2 of 3 | xxxxxx | xxxxxx | 12/17/2025 | 12/24/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858458 | 3 of 3 | xxxxxx | xxxxxx | 12/17/2025 | 12/24/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 858457 | 1 of 4 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/26/2025 7:31AM)<br> Documents provided.<br>**  | **Response 1 (12/26/2025 7:32AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858457 | 2 of 4 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Compliance | Note - Incomplete | xxxxxx | The following section(s) of the Note incomplete: The Loan Agreement was not completed accurately. Pages 1, 4 and 9 are illegible. | Resolved | **Rebuttal 1 (12/23/2025 6:58PM)<br> attached<br>**  | **Response 1 (12/26/2025 7:32AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858457 | 3 of 4 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858457 | 4 of 4 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858443 | 1 of 3 | xxxxxx | xxxxxx | 12/9/2025 | 12/16/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/18/2025 1:10PM)<br> Docs uploaded.<br>**  | **Response 1 (12/18/2025 1:13PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858443 | 2 of 3 | xxxxxx | xxxxxx | 12/9/2025 | 12/16/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858443 | 3 of 3 | xxxxxx | xxxxxx | 12/9/2025 | 12/16/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858442 | 1 of 4 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv). | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858442 | 2 of 4 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858442 | 3 of 4 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858442 | 4 of 4 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858475 | 1 of 3 | xxxxxx | xxxxxx | 12/17/2025 | 12/24/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/26/2025 2:24PM)<br> Docs uploaded.<br>**  | **Response 1 (12/26/2025 2:25PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858475 | 2 of 3 | xxxxxx | xxxxxx | 12/17/2025 | 12/24/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858475 | 3 of 3 | xxxxxx | xxxxxx | 12/17/2025 | 12/24/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858476 | 1 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/19/2025 5:45PM)<br> Docs uploaded.<br>**  | **Response 1 (12/19/2025 5:47PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858476 | 2 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858476 | 3 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated xxxxxx which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858493 | 1 of 4 | xxxxxx | xxxxxx | 12/15/2025 | 12/22/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/23/2025 9:50AM)<br> Documents provided.<br>**  | **Response 1 (12/23/2025 9:51AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 858493 | 2 of 4 | xxxxxx | xxxxxx | 12/15/2025 | 12/22/2025 | Compliance | State Testing - Prepayment Penalty | xxxxxx | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of xxxxxx allows for a maximum 0 months prepayment term, the loan has a 60 month prepayment term. The loan fails the prepayment test by 60 months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858493 | 3 of 4 | xxxxxx | xxxxxx | 12/15/2025 | 12/22/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858493 | 4 of 4 | xxxxxx | xxxxxx | 12/15/2025 | 12/22/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is 1 | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858492 | 1 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/22/2025 9:45AM)<br> Documents provided.<br>**  | **Response 1 (12/22/2025 9:45AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858492 | 2 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858492 | 3 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858491 | 1 of 3 | xxxxxx | xxxxxx | 12/5/2025 | 12/12/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/18/2025 1:26PM)<br> Docs uploaded<br>**  | **Response 1 (12/18/2025 1:31PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858491 | 2 of 3 | xxxxxx | xxxxxx | 12/5/2025 | 12/12/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858491 | 3 of 3 | xxxxxx | xxxxxx | 12/5/2025 | 12/12/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858490 | 1 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/09/2026 10:18AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 5:26PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858490 | 2 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | Credit Report - Other | xxxxxx | A gap credit or Undisclosed Debt Monitoring was missing from the loan file for our review. Additional conditions may apply. | Resolved | **Rebuttal 1 (01/05/2026 7:28PM)<br> attached<br>**  | **Response 1 (01/07/2026 9:35AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858490 | 3 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | Hazard Insurance - All Perils | xxxxxx | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (01/05/2026 7:34PM)<br> attached<br>**  | **Response 1 (01/07/2026 9:35AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858490 | 4 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858489 | 1 of 3 | xxxxxx | xxxxxx | 1/5/2026 | 1/12/2026 | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858489 | 2 of 3 | xxxxxx | xxxxxx | 1/5/2026 | 1/12/2026 | Credit | Program Parameters - Other | xxxxxx | The loan file contains a lender exception to allow borrower who is the primary wage earner to proceed with only a twenty-two-month history of self- employment. xxxxxx guidelines guidelines state on the 12-month bank statement income feature requires a minimum of a two-year history of self-employment in the current business. Determined non-material based on compensating factors (waived) | Waived |  | **Response 1 (04/01/2026 1:33PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: Primary purchase with 6 year ownership of departure residence; fico score 720, 7+ years on job; residual income of three thousand a month. |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858489 | 3 of 3 | xxxxxx | xxxxxx | 1/5/2026 | 1/12/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858441 | 1 of 4 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858441 | 2 of 4 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858441 | 3 of 4 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858441 | 4 of 4 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858440 | 1 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/07/2026 9:09AM)<br> Docs uploaded.<br>**  | **Response 1 (01/07/2026 9:10AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858440 | 2 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858440 | 3 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2.4. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858439 | 1 of 4 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Compliance | Federal - HPML APR/Compliant | xxxxxx | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR 8.153% and the calculated APR 8.080%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: xxxxxx. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858439 | 2 of 4 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Credit | Assets - Minimum Reserves | xxxxxx | Assets were required in the amount of $52382 ($3040 EMD/opt Fee + $32533 funds due at closing + $16214 reserves). Assets were verified in the amount of $47146 (xxxxxx $46377 + xxxxxx $769) resulting in short reserves in the amount of $5236. | Waived | **Rebuttal 1 (12/17/2025 1:30PM)<br> attached<br>**  | **Response 1 (12/19/2025 8:48AM)<br> Waiver granted by Investor. (Waived)<br>**  |  | 750 score. $4,135 per month residual income. 41.382% DTI. |  | 3 | 2 | 3 | 2 |
| xxxxxx | 858439 | 3 of 4 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Credit | Program Parameters - Other | xxxxxx | Borrower is a first time homebuyer. Per the guidelines for first time homebuyers purchasing a primary payment shock maximum is 300% when the DTI exceeds 36%. The calculated DTI at audit is 41.382% and borrower lived rent free contributing no rental payments to there current residence therefore payment shock exceeds the guideline max of 300%. | Waived | **Rebuttal 1 (12/17/2025 1:30PM)<br> attached<br>**  | **Response 1 (12/19/2025 8:48AM)<br> Waiver granted by Investor. (Waived)<br>**  |  | 750 score. $4,135 per month residual income. 41.382% DTI. |  | 3 | 2 | 3 | 2 |
| xxxxxx | 858439 | 4 of 4 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858438 | 1 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858438 | 2 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858438 | 3 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858437 | 1 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/31/2025 11:47AM)<br> Docs uploaded.<br>**  | **Response 1 (12/31/2025 11:50AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 858437 | 2 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Compliance | State Regulations | xxxxxx | State Regulations. This loan has a prepayment term. Under xxxxxx. Comp. Laws Ann. §438.31c(2)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of 1% of the amount of any prepayment made within 3 years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858437 | 3 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | Lender Exception provided to "allow to finance a property located in a xxxxxx ." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:34PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Comp factors: Has owned primary > 15 years; 3 plus properties; Experienced investor. |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858437 | 4 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Credit | Hazard Insurance - All Perils | xxxxxx | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (12/30/2025 12:59PM)<br> attached<br>**  | **Response 1 (01/02/2026 12:39PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858437 | 5 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858481 | 1 of 3 | xxxxxx | xxxxxx | 12/31/2025 | 1/8/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/14/2026 9:19AM)<br> Docs uploaded.<br>**  | **Response 1 (01/14/2026 10:17AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 858481 | 2 of 3 | xxxxxx | xxxxxx | 12/31/2025 | 1/8/2026 | Credit | DSCR - Program Parameters - Other | xxxxxx | Lender Exception provided to allow inexperienced investor to exceed 75% LTV. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:35PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: FICO 808, 15 year plus credit history. |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858481 | 3 of 3 | xxxxxx | xxxxxx | 12/31/2025 | 1/8/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.2. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858480 | 1 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/26/2025 1:37PM)<br> Docs uploaded.<br>**  | **Response 1 (12/26/2025 1:37PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 858480 | 2 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception to allow changes to the business ownership after the initial application date, guidelines require management approval for changes after the application date. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:35PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: 12+ mons reserves, experienced investor |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858480 | 3 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858479 | 1 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/06/2026 9:40AM)<br> Docs uploaded.<br>**  | **Response 1 (01/06/2026 9:42AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858479 | 2 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858479 | 3 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858477 | 1 of 3 | xxxxxx | xxxxxx | 1/16/2026 | 1/26/2026 | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | xxxxxx | The loan failed the charges that in total cannot increase more than 10% test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Land Survey Fee. A cost to cure in the amount of $429.80 is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (01/27/2026 1:45PM)<br> the Survey was ordered by title, as the borrower shopped, this fee shouldn't be part of the 10% tolerance. <br>**  | **Response 1 (01/29/2026 1:02PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858477 | 2 of 3 | xxxxxx | xxxxxx | 1/16/2026 | 1/26/2026 | Credit | Assets - Bank Statements | xxxxxx | The loan file is missing 2 consecutive months statements for xxxxxx. The document in file, dated 12/2/25 is only a summary which does not show a date range. | Waived | **Rebuttal 1 (01/29/2026 11:57AM)<br> please remove from file as it is not required. borrower has enough funds.<br>Rebuttal 2 (01/30/2026 1:28PM)<br> Client request to waive 2nd month bank statement for account ending xxxxxx.<br>**  | **Response 1 (01/29/2026 5:24PM)<br> Removing account xxxxxx leaves the borrower short $19,493 in assets. xxxxxx- $129893, xxxxxx - $15686 Total - $145,579 Cash to close $129,478 + POC $670 and Reserves 12 months x $2910 = $34,924 for a total of assets needed $165,072. We are short $19,493. We need that other account but need two months statements unless they waive the requirement for the second month statement on that account. (Upheld)<br>Response 2 (01/30/2026 1:29PM)<br> Client request to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - On job for 15 years, 10 years at present address and low DTI of 34.503%. |  | 4 | 2 | 3 | 2 |
| xxxxxx | 858477 | 3 of 3 | xxxxxx | xxxxxx | 1/16/2026 | 1/26/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858456 | 1 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/13/2026 9:52AM)<br> Docs uploaded.<br>**  | **Response 1 (01/13/2026 10:09AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858456 | 2 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Credit | Hazard Insurance - All Perils | xxxxxx | The hazard policy provided does not reflect "all" perils coverage. | Resolved | **Rebuttal 1 (01/09/2026 11:19AM)<br> See the attached<br>**  | **Response 1 (01/13/2026 8:06AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858456 | 3 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858455 | 1 of 4 | xxxxxx | xxxxxx | 1/13/2026 | 1/21/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/26/2026 8:57AM)<br> Docs uploaded.<br>**  | **Response 1 (01/26/2026 9:05AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 858455 | 2 of 4 | xxxxxx | xxxxxx | 1/13/2026 | 1/21/2026 | Credit | DSCR - Program Parameters - Other | xxxxxx | Lender Exception provided to allow appraisal as is without corrections due to transferred appraisal and broker unable to request corrections. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:36PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | comp factors dscr 1.344 ltv 71.4 experienced investor |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858455 | 3 of 4 | xxxxxx | xxxxxx | 1/13/2026 | 1/21/2026 | Credit | Hazard Insurance - All Perils | xxxxxx | Buyer Overlay, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (01/22/2026 1:31PM)<br> attached<br>**  | **Response 1 (01/26/2026 12:52PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858455 | 4 of 4 | xxxxxx | xxxxxx | 1/13/2026 | 1/21/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains cda dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858454 | 1 of 4 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/22/2025 9:43AM)<br> Documents provided.<br>**  | **Response 1 (12/22/2025 9:43AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 858454 | 2 of 4 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Compliance | State Regulations | xxxxxx | State Regulations. Under xxxxxx. Comp. Laws Ann. §438.31c(2)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of 1% of the amount of any prepayment made within 3 years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858454 | 3 of 4 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858454 | 4 of 4 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858434 | 1 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/06/2026 10:16AM)<br> Docs uploaded.<br>**  | **Response 1 (01/06/2026 10:18AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858434 | 2 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858434 | 3 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858432 | 1 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/06/2026 10:19AM)<br> Docs uploaded.<br>**  | **Response 1 (01/06/2026 10:21AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858432 | 2 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | The final 1003 indicates the borrower is married and living in xxxxxx. xxxxxx is a community property state; guidelines require loans in community property states that the spouse also execute the guaranty agreement which was not located within the loan file. | Resolved | **Rebuttal 1 (12/31/2025 9:54AM)<br> See the attached correspondence<br>**  | **Response 1 (01/05/2026 7:41AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858432 | 3 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858431 | 1 of 3 | xxxxxx | xxxxxx | 1/8/2026 | 1/15/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/16/2026 1:08PM)<br> Docs uploaded.<br>**  | **Response 1 (01/20/2026 11:42AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858431 | 2 of 3 | xxxxxx | xxxxxx | 1/8/2026 | 1/15/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858431 | 3 of 3 | xxxxxx | xxxxxx | 1/8/2026 | 1/15/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858430 | 1 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (12/26/2025 1:42PM)<br> Docs uploaded.<br>**  | **Response 1 (12/26/2025 1:43PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858430 | 2 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Credit | DSCR - Missing background check | xxxxxx | The required background check for xxxxxx is missing from the loan file. | Resolved | **Rebuttal 1 (12/23/2025 6:53PM)<br> attached<br>**  | **Response 1 (12/23/2025 7:07PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858430 | 3 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858429 | 1 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/06/2026 10:21AM)<br> Docs uploaded.<br>**  | **Response 1 (01/06/2026 10:23AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858429 | 2 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | The final 1003 indicates the borrower is married and living in xxxxxx. xxxxxx is a community property state; guidelines require loans in community property states that the spouse also execute the guaranty agreement which was not located within the loan file. | Resolved | **Rebuttal 1 (12/31/2025 11:11AM)<br> Please note that our guidelines no longer require a personal guaranty signed by the guarantor's spouse in the state of xxxxxx.<br>**  | **Response 1 (01/05/2026 7:43AM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858429 | 3 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858428 | 1 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/06/2026 10:24AM)<br> Docs uploaded.<br>**  | **Response 1 (01/06/2026 10:27AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858428 | 2 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | The final1003 indicates the borrower is married and living in xxxxxx. xxxxxx is acommunity property state; guidelines require loans in community propertystates that the spouse also execute the guaranty agreement which was notlocated within the loan file. | Resolved | **Rebuttal 1 (12/31/2025 11:12AM)<br> Please note that our guidelines no longer require a personal guaranty signed by the guarantor's spouse in the state of xxxxxx.<br>**  | **Response 1 (01/05/2026 7:45AM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858428 | 3 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858427 | 1 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/06/2026 11:03AM)<br> Docs uploaded.<br>**  | **Response 1 (01/06/2026 11:04AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858427 | 2 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | The final 1003 indicates the borrower is married and living in xxxxxx. xxxxxx is a community property state; guidelines require loans in community property states that the spouse also execute the guaranty agreement which was not located within the loan file. | Resolved | **Rebuttal 1 (12/31/2025 9:54AM)<br> See the attached<br>**  | **Response 1 (01/05/2026 7:49AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858427 | 3 of 3 | xxxxxx | xxxxxx | 12/22/2025 | 12/30/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858426 | 1 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | HUD1 - Not Final | xxxxxx | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Resolved | **Rebuttal 1 (02/13/2026 9:38AM)<br> Final HUD<br>**  | **Response 1 (02/13/2026 9:40AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858426 | 2 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/09/2026 9:41AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 5:00PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858426 | 3 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858426 | 4 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858494 | 1 of 4 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/09/2026 10:25AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 6:17PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 858494 | 2 of 4 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Credit | DSCR - Program Parameters - Other | xxxxxx | Guidelines state the lessor amount of the lease or market rent to be utilized for the DSCR calculation; The lease was utilized for the DSCR calculation at $1,400.00 a month but the full lease including the address of the property, names, dates, and amount. | Resolved | **Rebuttal 1 (01/06/2026 6:00PM)<br> lease agreement<br>**  | **Response 1 (01/08/2026 1:49PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858494 | 3 of 4 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains an exception to allow a cash-out refinance when the subject property was listed for sale in the past 6 months. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:37PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: DSCR >1.25, LTV 41% |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858494 | 4 of 4 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858495 | 1 of 4 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858495 | 2 of 4 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Compliance | TRID - Loan Estimate/Missing | xxxxxx | There is no evidence of a complete Loan Estimate provided in the loan file. As a result testing for timing and tolerance could not be completed. CFPB Title 12, Part 1026.19 | Resolved | **Rebuttal 1 (01/07/2026 7:37PM)<br> LE sent<br>**  | **Response 1 (01/09/2026 4:37PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858495 | 3 of 4 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Credit | Program Parameters - Other | xxxxxx | Lender Exception provided to proceed with a DTI that exceeds the max DTI of 43% for asset income qualifier. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:38PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: FICO 806, Excess reserves exceed 100 months. |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858495 | 4 of 4 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858433 | 1 of 3 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/28/2026 10:10AM)<br> Docs uploaded.<br>**  | **Response 1 (01/28/2026 10:11AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858433 | 2 of 3 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858433 | 3 of 3 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858425 | 1 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/18/2025 1:32PM)<br> Docs uploaded.<br>**  | **Response 1 (12/18/2025 1:35PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858425 | 2 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858425 | 3 of 3 | xxxxxx | xxxxxx | 12/8/2025 | 12/15/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated. xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858423 | 1 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/14/2026 9:34AM)<br> Docs uploaded.<br>**  | **Response 1 (01/14/2026 10:56AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858423 | 2 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858423 | 3 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858422 | 1 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Compliance | Federal - HOEPA (High Cost)/Points & Fees | xxxxxx | The loan failed the high-cost mortgage (HOEPA) points and fees threshold test due to the following: The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of thetotal loan amount of xxxxxx. The following points and fees were included in the calculation: Appraisal Review Fee xxxxxx, Mortgage Broker Fee xxxxxx, Points - Loan Discount Fee xxxxxx, Underwriting Fee xxxxxx. | Resolved | **Rebuttal 1 (12/22/2025 6:34AM)<br> Undiscounted Rate provided<br>**  | **Response 1 (12/22/2025 6:34AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858422 | 2 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Credit | Program Parameters - Other | xxxxxx | Lender Exception provided to allow financing of property within a project converted from xxxxxx in 2005. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (04/01/2026 1:38PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: LTV 70%, Residual Income exceeds $2500 |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858422 | 3 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.2. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858421 | 1 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/14/2026 9:28AM)<br> Docs uploaded.<br>Rebuttal 2 (01/14/2026 9:28AM)<br> Docs uploaded.<br>**  | **Response 1 (01/14/2026 10:30AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858421 | 2 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858421 | 3 of 3 | xxxxxx | xxxxxx | 12/30/2025 | 1/7/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858418 | 1 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/09/2026 10:12AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 5:08PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858418 | 2 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858418 | 3 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858417 | 1 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (01/28/2026 10:28AM)<br> Docs uploaded.<br>**  | **Response 1 (01/28/2026 10:30AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 858417 | 2 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Credit | Program Parameters - Other | xxxxxx | Lender Exception provided to allow client to proceed without paying collection account over $2k. Determined non-material based on compensating (waived). | Waived |  | **Response 1 (04/01/2026 1:39PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: Reserves exceed $200k, LTV 45.909% |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858417 | 3 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858424 | 1 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreementwas not executed by the Lender. | Resolved | **Rebuttal 1 (12/26/2025 1:41PM)<br> Docs uploaded.<br>**  | **Response 1 (12/26/2025 1:42PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858424 | 2 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858424 | 3 of 3 | xxxxxx | xxxxxx | 12/16/2025 | 12/23/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858435 | 1 of 3 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (12/31/2025 11:51AM)<br> Docs uploaded.<br>**  | **Response 1 (12/31/2025 11:52AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 858435 | 2 of 3 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Credit | DSCR - Program Parameters - Other | xxxxxx | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of this documentation for the non-borrowing guarantor, xxxxxx, as required. | Resolved | **Rebuttal 1 (12/29/2025 4:45PM)<br> attached<br>**  | **Response 1 (12/29/2025 5:42PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 858435 | 3 of 3 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 858449 | 1 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/07/2026 9:31AM)<br> Docs uploaded.<br>**  | **Response 1 (01/07/2026 9:33AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858449 | 2 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858449 | 3 of 3 | xxxxxx | xxxxxx | 12/23/2025 | 1/2/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858448 | 1 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 858448 | 2 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Credit | Assets - Other | xxxxxx | The loan file is missing terms of withdrawal for the xxxxxx | Resolved | **Rebuttal 1 (01/09/2026 3:45PM)<br> attached<br>**  | **Response 1 (01/12/2026 4:21PM)<br> Terms of withdrawal provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858448 | 3 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Credit | Debts - Not Verified | xxxxxx | The loan file is missing proof of HOI for the property at xxxxxx. | Resolved | **Rebuttal 1 (01/09/2026 2:25PM)<br> attached <br>**  | **Response 1 (01/12/2026 4:20PM)<br> Doc provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858448 | 4 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Credit | DTI - Exceeds Guidelines | xxxxxx | The audited DTI of 50.882% exceeds the program maximum of 50%. The variance is due to the lender using an income calc for borrower 1 that is not supported by documentation in file. Per the lenders income calculation worksheet the borrowers gross YTD was averaged with 2024 W2 gross. The 2025 YTD includes OT, however the file lacks evidence that the borrower has a history of OT income at previous employers. | Resolved | **Rebuttal 1 (12/29/2025 7:27PM)<br> attached<br>**  | **Response 1 (12/30/2025 11:31AM)<br> The borrower is hourly and on the job 1 year. Qualification was based upon 40 hours. Letter from Employer to reflect consistent additional hours required, as YTD is only slightly higher, with prior year much lower. (Upheld)<br>Response 2 (01/12/2026 4:27PM)<br> Upon Senior Management review the borrower is a xxxxxx and earns shift differential and is supported by current and prior job. Income is valid. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 858448 | 5 of 5 | xxxxxx | xxxxxx | 12/18/2025 | 12/29/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 858467 | 1 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/09/2026 10:18AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 5:28PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 858467 | 2 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Compliance | State Testing - Prepayment Penalty | xxxxxx | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of xxxxxx allows for a maximum 0 months prepayment term, the loan has a 60 month prepayment term. The loan fails the prepayment test by 60 months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858467 | 3 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858467 | 4 of 4 | xxxxxx | xxxxxx | 12/24/2025 | 1/5/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858466 | 1 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected a Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858466 | 2 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Credit | Program Parameters - Other | xxxxxx | Lender Exception provided to all borrower to proceed with interest only loan with a DTI that exceeds max allowed of 45% up to 50%. Determined non-material based on compensating factors (waived) | Waived |  | **Response 1 (04/01/2026 1:39PM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: Bwr employed with same employer for 15 years; Primary residence transaction and Bwrs have owned former primary for 13 years; 12 months reserves when only 6 months required. No mortgage or revolving lates last 24 months. |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858466 | 3 of 3 | xxxxxx | xxxxxx | 12/12/2025 | 12/19/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 859306 | 1 of 3 | xxxxxx | xxxxxx | 1/12/2026 | 1/15/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/28/2026 9:57AM)<br> Docs uploaded.<br>**  | **Response 1 (01/28/2026 10:01AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 859306 | 2 of 3 | xxxxxx | xxxxxx | 1/12/2026 | 1/15/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 859306 | 3 of 3 | xxxxxx | xxxxxx | 1/12/2026 | 1/15/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 859305 | 1 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/28/2026 10:48AM)<br> Docs uploaded.<br>**  | **Response 1 (01/28/2026 10:50AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 859305 | 2 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 859305 | 3 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858444 | 1 of 4 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/06/2026 11:17AM)<br> Docs uploaded.<br>**  | **Response 1 (01/06/2026 11:19AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 858444 | 2 of 4 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Compliance | State Testing - Prepayment Penalty | xxxxxx | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of xxxxxx allows for a maximum 0 months prepayment term, the loan has a 12 month prepayment term. The loan fails the prepayment test by 12 months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858444 | 3 of 4 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858444 | 4 of 4 | xxxxxx | xxxxxx | 12/22/2025 | 12/31/2025 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858436 | 1 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (01/09/2026 10:13AM)<br> Docs uploaded.<br>**  | **Response 1 (01/09/2026 5:10PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 858436 | 2 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858436 | 3 of 3 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 858452 | 1 of 4 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858452 | 2 of 4 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Condo Questionnaire Fee, Credit Report Fee, Verification Fee. However, these fees should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 858452 | 3 of 4 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 858452 | 4 of 4 | xxxxxx | xxxxxx | 12/29/2025 | 1/6/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 859304 | 1 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/28/2026 | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 859304 | 2 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/28/2026 | Credit | DSCR - Program Parameters - Other | xxxxxx | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report. The loan file is missing the required documentation for xxxxxx (50% ownership of xxxxxx). | Resolved | **Rebuttal 1 (01/29/2026 1:52PM)<br> See the attached guarantor package for xxxxxx<br>**  | **Response 1 (01/29/2026 5:26PM)<br> Docs provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 859304 | 3 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/28/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 859303 | 1 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/28/2026 11:00AM)<br> Docs uploaded.<br>**  | **Response 1 (01/28/2026 11:01AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 859303 | 2 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 859303 | 3 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.3. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 859302 | 1 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/28/2026 10:53AM)<br> Docs uploaded.<br>**  | **Response 1 (01/28/2026 10:59AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 859302 | 2 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 859302 | 3 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 859301 | 1 of 3 | xxxxxx | xxxxxx | 1/16/2026 | 1/26/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/28/2026 10:04AM)<br> Docs uploaded.<br>**  | **Response 1 (01/28/2026 10:06AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 859301 | 2 of 3 | xxxxxx | xxxxxx | 1/16/2026 | 1/26/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 859301 | 3 of 3 | xxxxxx | xxxxxx | 1/16/2026 | 1/26/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 859300 | 1 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (01/28/2026 10:51AM)<br> Docs uploaded.<br>**  | **Response 1 (01/28/2026 10:52AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 859300 | 2 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 859300 | 3 of 3 | xxxxxx | xxxxxx | 1/20/2026 | 1/27/2026 | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a cda dated xxxxxx which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |

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## Exhibit 99.44

**EXHIBIT 99.44**

**DIGITAL RISK RATING AGENCY GRADES**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| xxxxxx | 858416 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858417 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858418 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858421 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858422 | xxxxxx | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 858423 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858424 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858425 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858426 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858427 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858428 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858429 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858430 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858431 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858432 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858433 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858434 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858435 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858436 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858437 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| xxxxxx | 858438 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858439 | xxxxxx | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| xxxxxx | 858440 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858441 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858442 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858443 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858444 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858445 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858446 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858447 | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858448 | xxxxxx | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| xxxxxx | 858449 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858450 | xxxxxx | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 858451 | xxxxxx | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 858452 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858453 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858454 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858455 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 858456 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858457 | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858458 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 858459 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 858460 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 858462 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858463 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858464 | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858465 | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858466 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858467 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858468 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 858470 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858471 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858472 | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858473 | xxxxxx | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 858474 | xxxxxx | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 858475 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858476 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858477 | xxxxxx | 3 | 2 | 4 | 2 | 3 | 1 | 1 | 1 C B D A |
| xxxxxx | 858479 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858480 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858481 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858482 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 858483 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858484 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858485 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858486 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858487 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858488 | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 858489 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858490 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 858491 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858492 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 858493 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 858494 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 858495 | xxxxxx | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 859300 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 859301 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 859302 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 859303 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 859304 | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 859305 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 859306 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |

---

## Exhibit 99.45

**EXHIBIT 99.45**

**DIGITAL RISK DATA INTEGRITY REPORT**

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| | |
|:---|:---|
| **Report Pulled:** | 3/20/2026 |
| **Loan Count:** | 82 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| xxxxxx | xxxxx | 858416 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.074 |
| xxxxxx | xxxxx | 858417 | xxxxxx | Originator Back-End DTI | 0 | 24.473 |
| xxxxxx | xxxxx | 858418 | xxxxxx | Amortization Term in Months | 480 | 360 |
| xxxxxx | xxxxx | 858418 | xxxxxx | Debt Service Coverage Ratio | 1.013 | 1.008 |
| xxxxxx | xxxxx | 858421 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.487 |
| xxxxxx | xxxxx | 858422 | xxxxxx | Originator Back-End DTI | 0 | 39.171 |
| xxxxxx | xxxxx | 858423 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.551 |
| xxxxxx | xxxxx | 858424 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.039 |
| xxxxxx | xxxxx | 858425 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.322 |
| xxxxxx | xxxxx | 858426 | xxxxxx | Debt Service Coverage Ratio | 1.692 | 1.459 |
| xxxxxx | xxxxx | 858427 | xxxxxx | Debt Service Coverage Ratio | 1.181 | 1.004 |
| xxxxxx | xxxxx | 858428 | xxxxxx | Debt Service Coverage Ratio | 1.111 | 1.075 |
| xxxxxx | xxxxx | 858429 | xxxxxx | Debt Service Coverage Ratio | 1.022 | 1.089 |
| xxxxxx | xxxxx | 858430 | xxxxxx | CLTV | 144.761 | 60.662 |
| xxxxxx | xxxxx | 858430 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.226 |
| xxxxxx | xxxxx | 858431 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.376 |
| xxxxxx | xxxxx | 858432 | xxxxxx | Debt Service Coverage Ratio | 1.294 | 1.004 |
| xxxxxx | xxxxx | 858433 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.011 |
| xxxxxx | xxxxx | 858434 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.29 |
| xxxxxx | xxxxx | 858435 | xxxxxx | Debt Service Coverage Ratio | 1.694 | 1.514 |
| xxxxxx | xxxxx | 858436 | xxxxxx | Originator Back-End DTI | 0 | 38.053 |
| xxxxxx | xxxxx | 858437 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.104 |
| xxxxxx | xxxxx | 858438 | xxxxxx | Originator Back-End DTI | 0 | 44.411 |
| xxxxxx | xxxxx | 858439 | xxxxxx | Originator Back-End DTI | 0 | 41.382 |
| xxxxxx | xxxxx | 858440 | xxxxxx | Debt Service Coverage Ratio | 1.101 | 1.086 |
| xxxxxx | xxxxx | 858441 | xxxxxx | Originator Back-End DTI | 0 | 49.919 |
| xxxxxx | xxxxx | 858442 | xxxxxx | Originator Back-End DTI | 0 | 37.597 |
| xxxxxx | xxxxx | 858443 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.494 |
| xxxxxx | xxxxx | 858444 | xxxxxx | Debt Service Coverage Ratio | 1.478 | 1.421 |
| xxxxxx | xxxxx | 858445 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.243 |
| xxxxxx | xxxxx | 858446 | xxxxxx | Debt Service Coverage Ratio | 1.387 | 1.308 |
| xxxxxx | xxxxx | 858447 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.002 |
| xxxxxx | xxxxx | 858448 | xxxxxx | Originator Back-End DTI | 0 | 45.734 |
| xxxxxx | xxxxx | 858449 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.337 |
| xxxxxx | xxxxx | 858450 | xxxxxx | Originator Back-End DTI | 0 | 14.435 |
| xxxxxx | xxxxx | 858451 | xxxxxx | Originator Back-End DTI | 0 | 30.9 |
| xxxxxx | xxxxx | 858452 | xxxxxx | Originator Back-End DTI | 0 | 39.085 |
| xxxxxx | xxxxx | 858453 | xxxxxx | Debt Service Coverage Ratio | 0 | 2.015 |
| xxxxxx | xxxxx | 858454 | xxxxxx | Debt Service Coverage Ratio | 1.352 | 1.412 |
| xxxxxx | xxxxx | 858455 | xxxxxx | Debt Service Coverage Ratio | 1.413 | 1.344 |
| xxxxxx | xxxxx | 858456 | xxxxxx | Debt Service Coverage Ratio | 1.417 | 1.39 |
| xxxxxx | xxxxx | 858457 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.359 |
| xxxxxx | xxxxx | 858458 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.374 |
| xxxxxx | xxxxx | 858459 | xxxxxx | Debt Service Coverage Ratio | 0.418 | 1.49 |
| xxxxxx | xxxxx | 858460 | xxxxxx | Originator Back-End DTI | 0 | 47.177 |
| xxxxxx | xxxxx | 858462 | xxxxxx | Originator Back-End DTI | 0 | 11.95 |
| xxxxxx | xxxxx | 858463 | xxxxxx | Debt Service Coverage Ratio | 1.259 | 1.234 |
| xxxxxx | xxxxx | 858464 | xxxxxx | Debt Service Coverage Ratio | 0 | 2.144 |
| xxxxxx | xxxxx | 858465 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.03 |
| xxxxxx | xxxxx | 858466 | xxxxxx | Amortization Term in Months | 480 | 360 |
| xxxxxx | xxxxx | 858466 | xxxxxx | Originator Back-End DTI | 0 | 49.258 |
| xxxxxx | xxxxx | 858467 | xxxxxx | Debt Service Coverage Ratio | 0 | 1 |
| xxxxxx | xxxxx | 858468 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.486 |
| xxxxxx | xxxxx | 858470 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.527 |
| xxxxxx | xxxxx | 858471 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.208 |
| xxxxxx | xxxxx | 858471 | xxxxxx | Loan Purpose | NoCash-Out Refinance | Cash Out: Debt Consolidation- Proceeds used to pay |
| xxxxxx | xxxxx | 858472 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.013 |
| xxxxxx | xxxxx | 858473 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.033 |
| xxxxxx | xxxxx | 858474 | xxxxxx | Debt Service Coverage Ratio | 0 | 1 |
| xxxxxx | xxxxx | 858475 | xxxxxx | Debt Service Coverage Ratio | 2.146 | 2.175 |
| xxxxxx | xxxxx | 858476 | xxxxxx | Debt Service Coverage Ratio | 1.644 | 1.203 |
| xxxxxx | xxxxx | 858477 | xxxxxx | Originator Back-End DTI | 0 | 24.975 |
| xxxxxx | xxxxx | 858479 | xxxxxx | Debt Service Coverage Ratio | 1.179 | 1.076 |
| xxxxxx | xxxxx | 858480 | xxxxxx | Debt Service Coverage Ratio | 1.666 | 1.998 |
| xxxxxx | xxxxx | 858481 | xxxxxx | Amortization Term in Months | 480 | 360 |
| xxxxxx | xxxxx | 858481 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.178 |
| xxxxxx | xxxxx | 858481 | xxxxxx | Property Type | Detached | 1 Family Attached |
| xxxxxx | xxxxx | 858482 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.252 |
| xxxxxx | xxxxx | 858483 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.232 |
| xxxxxx | xxxxx | 858484 | xxxxxx | Debt Service Coverage Ratio | 0 | 2.345 |
| xxxxxx | xxxxx | 858485 | xxxxxx | Debt Service Coverage Ratio | 1.785 | 2.146 |
| xxxxxx | xxxxx | 858486 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.268 |
| xxxxxx | xxxxx | 858487 | xxxxxx | Amortization Term in Months | 480 | 360 |
| xxxxxx | xxxxx | 858487 | xxxxxx | Debt Service Coverage Ratio | 1.032 | 1.006 |
| xxxxxx | xxxxx | 858488 | xxxxxx | Originator Back-End DTI | 0 | 42.951 |
| xxxxxx | xxxxx | 858489 | xxxxxx | Originator Back-End DTI | 0 | 30.209 |
| xxxxxx | xxxxx | 858490 | xxxxxx | Originator Back-End DTI | 0 | 45.253 |
| xxxxxx | xxxxx | 858491 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.061 |
| xxxxxx | xxxxx | 858492 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.681 |
| xxxxxx | xxxxx | 858493 | xxxxxx | Debt Service Coverage Ratio | 1.204 | 0.836 |
| xxxxxx | xxxxx | 858494 | xxxxxx | Debt Service Coverage Ratio | 1.865 | 1.619 |
| xxxxxx | xxxxx | 858495 | xxxxxx | Originator Back-End DTI | 0 | 45.448 |
| xxxxxx | xxxxx | 859300 | xxxxxx | Amortization Term in Months | 480 | 360 |
| xxxxxx | xxxxx | 859300 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.125 |
| xxxxxx | xxxxx | 859301 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.631 |
| xxxxxx | xxxxx | 859302 | xxxxxx | Debt Service Coverage Ratio | 0 | 0.853 |
| xxxxxx | xxxxx | 859303 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.418 |
| xxxxxx | xxxxx | 859305 | xxxxxx | Debt Service Coverage Ratio | 1.838 | 1.54 |
| xxxxxx | xxxxx | 859306 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.408 |
| xxxxxx | xxxxx | 859306 | xxxxxx | First Payment Due Date | xxxxxx | xxxxxx |
| xxxxxx | xxxxx | 859306 | xxxxxx | Maturity Date | xxxxxx | xxxxxx |

---

## Exhibit 99.46

**EXHIBIT 99.46**

**DIGITAL RISK QM STATUS REPORT**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **QM Status** | **ATR Status** |
| xxxxxx | 858416 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858417 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858418 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858421 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858422 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858423 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858424 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858425 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858426 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858427 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858428 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858429 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858430 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858431 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858432 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858433 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858434 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858435 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858436 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858437 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858438 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858439 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858440 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858441 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858442 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858443 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858444 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858445 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858446 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858447 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858448 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858449 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858450 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858451 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858452 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858453 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858454 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858455 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858456 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858457 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858458 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858459 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858460 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858462 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858463 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858464 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858465 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858466 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858467 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858468 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858470 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858471 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858472 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858473 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858474 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858475 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858476 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858477 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858479 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858480 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858481 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858482 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858483 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858484 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858485 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858486 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858487 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858488 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858489 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 858490 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858491 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858492 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858493 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858494 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 858495 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 859300 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 859301 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 859302 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 859303 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 859304 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 859305 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 859306 | xxxxxx | GQM Exempt - Business Purpose | N/A |

---

## Exhibit 99.47

**EXHIBIT 99.47**

**DIGITAL RISK VALUATION REPORT**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 858416 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/06/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/13/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| xxxxxx | 858417 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 12/02/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/08/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858418 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/11/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| xxxxxx | 858421 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 11/13/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/03/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858422 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 11/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.692% | xxxxxx |  | 12/03/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| xxxxxx | 858423 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 11/13/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 12/02/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858425 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 10/17/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| xxxxxx | 858426 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/09/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858427 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/01/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| xxxxxx | 858428 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/01/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858429 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/28/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/08/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858430 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 11/25/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/28/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| xxxxxx | 858431 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/05/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.093% | xxxxxx |  | 12/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| xxxxxx | 858432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/02/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/12/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| xxxxxx | 858433 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 10/03/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/09/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| xxxxxx | 858434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/17/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/03/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| xxxxxx | 858435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 12/03/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 10/28/2025 | xxxxxx |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858437 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/02/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/09/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| xxxxxx | 858438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/22/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| xxxxxx | 858439 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/11/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| xxxxxx | 858440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/05/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.067% | xxxxxx |  | 12/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| xxxxxx | 858441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/18/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/09/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| xxxxxx | 858442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/21/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/26/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| xxxxxx | 858443 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/18/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 12/08/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858445 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 10/31/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| xxxxxx | 858446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 11/11/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/15/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.610% | xxxxxx |  | 11/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| xxxxxx | 858448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.641% | xxxxxx |  | 11/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/17/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| xxxxxx | 858450 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 09/05/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858451 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 09/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858452 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 12/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858453 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 11/11/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858454 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/26/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/01/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| xxxxxx | 858455 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| xxxxxx | 858456 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| xxxxxx | 858457 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/13/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| xxxxxx | 858458 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/17/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/26/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| xxxxxx | 858459 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | Form 71A | 11/28/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 12/02/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/06/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| xxxxxx | 858462 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/19/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/27/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| xxxxxx | 858463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 09/19/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| xxxxxx | 858464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 10/31/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/04/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 11/14/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.833% | xxxxxx |  | 11/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 01/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/26/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/03/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| xxxxxx | 858468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | Form 71A | 11/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858470 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/12/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| xxxxxx | 858471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/19/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/24/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 11/18/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/24/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| xxxxxx | 858473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 11/14/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| xxxxxx | 858474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/24/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/02/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858475 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/24/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/08/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/24/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/28/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| xxxxxx | 858477 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 12/08/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858479 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/02/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| xxxxxx | 858480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 11/23/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/02/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/19/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| xxxxxx | 858482 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | Form 71A | 11/11/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858483 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 10/22/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -9.500% | xxxxxx |  | 11/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| xxxxxx | 858484 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 11/05/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 11/05/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858486 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 10/13/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858487 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 10/31/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858488 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 10/30/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/25/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/01/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| xxxxxx | 858490 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 12/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 858491 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/02/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858492 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/12/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| xxxxxx | 858493 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 12/02/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/12/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 858495 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 12/03/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/06/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 859300 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/03/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 01/07/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| xxxxxx | 859301 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/31/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 01/06/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 859302 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| xxxxxx | 859303 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/18/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/31/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| xxxxxx | 859304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/15/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 859305 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 01/01/2026 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 01/07/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 859306 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 12/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |

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